Market
You'd think that buying a house would be easy now, since prices have fallen so much. Why can't you get the financing you need? Because the lenders aren't lending. When the financial downturn became a crisis in 2008, our brilliant leaders from both major parties decided to ram billions of dollars down the throats of the big banks. These loans were made with the understanding that they would eventually find their way into the hands of hard-working people who wanted to buy a house.
Wrong!
Those lenders hoarded the cash and invested for their own accounts, leaving the end consumer out in the cold. It's even harder to get a loan now than it was in 2008.
That's not everything. Appraisers are afraid to appraise any property too high. If they appraise the property too high, they'll get sued, lose their license, or both. Appraisers are very conservative nowadays, as you'll find if you try to buy a house through anybody. Except if you use us.
Lending guidelines have really tightened up. If your credit score is under 700, most lenders won't even touch you. Even if you have pristine credit, you'll need at least 20% down when you buy a property. You'll need to show bank statements, pay stubs, all current debts, judgments, prior bankruptcies, fill out tons of forms, and get down on your hands and knees, begging your lender for that loan, even if the house is a steal. It's as if you've been financially raped. You'll need to show the seller proof of funds. You'll wait forever while the appraisal and inspection are done. If either is unfavorable, sorry, Charlie. Then you have to wait for the lender to make a final decision once the appraisal and inspection are done. A lot of the lenders have gone under, not only because of the bad loans they made during the boom years, but because of the stringent requirements they now face. Less competition among existing lenders means more costs to you as the end buyer and less to pick from.
When you buy a property through us, you don't have to worry about that nonsense. All we care about is whether you have adequate money to get in and adequate income to stay in. So we'll want to see proof of down payment funds, current employment, and recent pay stubs. That's it. You could have declared bankruptcy yesterday, and we don't care. So you were laid off 2 years ago? No big deal, as long as you have a stable job now. And you can move in as soon as 7 days after we okay the paperwork. Now that's fast.
Your problem as a buyer is that our properties go fast. So, if you see one that you like on the list, you'll want to get out and drive by it right away, then contact us to see the inside. Check out our "properties" tab to see what's available. If nothing suits your fancy, fill out the form below. In the comments section, add how much money you have to invest in your next house and how much of a payment you can afford each month. If you think that's too much prying, don't include that information. But, when we get an available property, we first contact those who have told us their current and monthly available funds. We do not share your information with anyone. So get on the list, and let's get started!
Wrong!
Those lenders hoarded the cash and invested for their own accounts, leaving the end consumer out in the cold. It's even harder to get a loan now than it was in 2008.
That's not everything. Appraisers are afraid to appraise any property too high. If they appraise the property too high, they'll get sued, lose their license, or both. Appraisers are very conservative nowadays, as you'll find if you try to buy a house through anybody. Except if you use us.
Lending guidelines have really tightened up. If your credit score is under 700, most lenders won't even touch you. Even if you have pristine credit, you'll need at least 20% down when you buy a property. You'll need to show bank statements, pay stubs, all current debts, judgments, prior bankruptcies, fill out tons of forms, and get down on your hands and knees, begging your lender for that loan, even if the house is a steal. It's as if you've been financially raped. You'll need to show the seller proof of funds. You'll wait forever while the appraisal and inspection are done. If either is unfavorable, sorry, Charlie. Then you have to wait for the lender to make a final decision once the appraisal and inspection are done. A lot of the lenders have gone under, not only because of the bad loans they made during the boom years, but because of the stringent requirements they now face. Less competition among existing lenders means more costs to you as the end buyer and less to pick from.
When you buy a property through us, you don't have to worry about that nonsense. All we care about is whether you have adequate money to get in and adequate income to stay in. So we'll want to see proof of down payment funds, current employment, and recent pay stubs. That's it. You could have declared bankruptcy yesterday, and we don't care. So you were laid off 2 years ago? No big deal, as long as you have a stable job now. And you can move in as soon as 7 days after we okay the paperwork. Now that's fast.
Your problem as a buyer is that our properties go fast. So, if you see one that you like on the list, you'll want to get out and drive by it right away, then contact us to see the inside. Check out our "properties" tab to see what's available. If nothing suits your fancy, fill out the form below. In the comments section, add how much money you have to invest in your next house and how much of a payment you can afford each month. If you think that's too much prying, don't include that information. But, when we get an available property, we first contact those who have told us their current and monthly available funds. We do not share your information with anyone. So get on the list, and let's get started!
Let us help you get the home you want. Even if you have lousy credit, we can help you get that home.