Leasing to Own
We all want to own our own home! However, due to rising home prices, and larger down payment requirements, more and more people are feeling like the American Dream is becoming more, and more unattainable.
Buying a home requires a large amount of money. If you don't have the cash to pay for a home, you need to get a loan. Unfortunately, unless you have squeaky clean credit, or a very large down payment, your options are limited. It doesn't matter who you are, or what you've been through, if you have bad credit a bank will not lend you money because you're considered a risk.
We understand that your credit score can suffer due to circumstances such as sickness, injury, loss of job, divorce, or even having made mistakes in the past, but are now moving forward. We don't treat you as if you are just 'a number': we all have reasons why our credit has gotten off track, and the good thing is that you can always get back on track...and we're here to help you do just that!
Over 95% of all interested parties are approved for a Lease-to-Own home through www.RentToOwnUSA.net. Don't let your credit prevent you from living the life you've dreamt of...Lease-to-Own a home, and start out on the road to home ownership today!
Why Are Lease-Options Advantageous?
We understand that your credit score can suffer due to circumstances such as sickness, injury, loss of job, divorce, or even having made mistakes in the past, but are now moving forward. We don't treat you as if you are just 'a number': we all have reasons why our credit has gotten off track, and the good thing is that you can always get back on track...and we're here to help you do just that!
Over 95% of all interested parties are approved for a Lease-to-Own home through www.RentToOwnUSA.net. Don't let your credit prevent you from living the life you've dreamt of...Lease-to-Own a home, and start out on the road to home ownership today!
Why Are Lease-Options Advantageous?
Lenders have recently begun to increase the requirements to be able to purchase homes due to the large number of foreclosures happening across the Nation. 100% loans are becoming a rarely offered product, unless you have a very large down payment, or near perfect credit...FOR CREDIT TIPS CLICK HERE.
The main advantage of doing a Lease-to-Own, or Lease-Option, is that at the end of your lease, should you decide to purchase, any and all equity that you've accumulated while renting can be applied as your down payment when you buy. As long as you have made 12 consecutive rent payments, Lenders can consider your loan a "Refinance" rather than a typical "Purchase", which means you can not only use your equity as your down payment, but you'll also get a much lower interest rate, and payment, than if you came to the table with no down payment! Additionally you'll have that equity available as a Home Equity Line of Credit (a great security blanket for you and your family!).
We are here to help people who don't have the means to get conventional financing to buy a house or condo. Just because a few things have gotten you down, don't let them keep you down...Take advantage of this program and begin building equity today!
General Information
1) We have a network of investors who are fed up with renters! Renters often don't take care of the home they rent because it's not theirs. Renters move as often as every 6 months, and the owners are left to clean and restore to like-new condition each time the renters move out.
With our program the owner still reaps the tax advantages of having a rental property, but because of the down payment requirement the renter (you) have a vested interest in the property. This gives the seller somewhat of a guarantee that you'll treat the property as if it were your own, after all, it is going to be as soon as you purchase it.
4) With our program, if you get to the end of your lease, and you find out that you are unable to purchase the home, you can SELL IT, and walk away with the equity you earned over the duration of your lease!
Yes, that's right, the Option to Purchase is Assignable. You can actually list the property for sale towards the end of your lease, for whatever market value is at that point, and when it sells the seller still gets their $300,000 and you get paid the difference at closing through Escrow. If you sell it for $380,000, you made $80,000! What if it doesn't sell? Lower the price to move it quickly...if you've got equity then you've got leeway!
Most cities in Washington State are still experiencing appreciation rates anywhere from 5 - 16% per year (that means that whatever your home is worth today, it is increasing by a certain percentage per year...and you're still buying it for your original, locked in purchase price. You could have $20,000, $40,000 or maybe even $60,000 in equity before you even purchase! Not only are you buying a home, you are making an investment!
Where Do I Start?
CLICK HERE TO READ HOW THE PROCESS WORKS
You can be in your home in as little as 24-48 hours!
The main advantage of doing a Lease-to-Own, or Lease-Option, is that at the end of your lease, should you decide to purchase, any and all equity that you've accumulated while renting can be applied as your down payment when you buy. As long as you have made 12 consecutive rent payments, Lenders can consider your loan a "Refinance" rather than a typical "Purchase", which means you can not only use your equity as your down payment, but you'll also get a much lower interest rate, and payment, than if you came to the table with no down payment! Additionally you'll have that equity available as a Home Equity Line of Credit (a great security blanket for you and your family!).
We are here to help people who don't have the means to get conventional financing to buy a house or condo. Just because a few things have gotten you down, don't let them keep you down...Take advantage of this program and begin building equity today!
General Information
1) We have a network of investors who are fed up with renters! Renters often don't take care of the home they rent because it's not theirs. Renters move as often as every 6 months, and the owners are left to clean and restore to like-new condition each time the renters move out.
With our program the owner still reaps the tax advantages of having a rental property, but because of the down payment requirement the renter (you) have a vested interest in the property. This gives the seller somewhat of a guarantee that you'll treat the property as if it were your own, after all, it is going to be as soon as you purchase it.
2) You get a locked in purchase price, and rent price - both are GUARANTEED not increase! The Lease contract is a Purchase and Sale Agreement as well, so both parties sign now, and you have until the lease termination date to close the sale! The seller cannot back out or cancel.
3) Because your purchase price is set today, any and all equity that is accumulated over the course of your lease is yours to keep. For instance, if your locked in purchase price is $300,000, and that area sees 12% appreciation over the course of one year, that adds $36,000 dollars to the value of the home, and you're still buying for $300,000!...
...this tells the bank that you are likely to succeed in paying your monthly mortgage payment because you have a vested interest in the property (you won't want to walk away from that $36,000 by defaulting on your loan). The bank is less likely to be concerned about you being a risk: if you default on your loan, they get all your equity. If you don't default, they're just happy to maintain a loan in good standing! The point is it's a win/win for the bank either way, so you're very likely to get your loan.
3) Because your purchase price is set today, any and all equity that is accumulated over the course of your lease is yours to keep. For instance, if your locked in purchase price is $300,000, and that area sees 12% appreciation over the course of one year, that adds $36,000 dollars to the value of the home, and you're still buying for $300,000!...
...this tells the bank that you are likely to succeed in paying your monthly mortgage payment because you have a vested interest in the property (you won't want to walk away from that $36,000 by defaulting on your loan). The bank is less likely to be concerned about you being a risk: if you default on your loan, they get all your equity. If you don't default, they're just happy to maintain a loan in good standing! The point is it's a win/win for the bank either way, so you're very likely to get your loan.
4) With our program, if you get to the end of your lease, and you find out that you are unable to purchase the home, you can SELL IT, and walk away with the equity you earned over the duration of your lease!
Yes, that's right, the Option to Purchase is Assignable. You can actually list the property for sale towards the end of your lease, for whatever market value is at that point, and when it sells the seller still gets their $300,000 and you get paid the difference at closing through Escrow. If you sell it for $380,000, you made $80,000! What if it doesn't sell? Lower the price to move it quickly...if you've got equity then you've got leeway!
Most cities in Washington State are still experiencing appreciation rates anywhere from 5 - 16% per year (that means that whatever your home is worth today, it is increasing by a certain percentage per year...and you're still buying it for your original, locked in purchase price. You could have $20,000, $40,000 or maybe even $60,000 in equity before you even purchase! Not only are you buying a home, you are making an investment!
Where Do I Start?
CLICK HERE TO READ HOW THE PROCESS WORKS
You can be in your home in as little as 24-48 hours!
We provide the resources you'll need to assist you in getting back on track: from credit rebuilding, to the home loan process, we're here for you, and want you to succeed! If you've been searching for an opportunity to make the jump from renting to home ownership - your search STOPS HERE.
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