Turned down for a mortgage? You can still own a home.
We're veterans and first responders. Some of the homes we buy, we sell to families on monthly payments.
All you have to do is tell us the kind of home you want and where you want to live. We'll do our best to find it for you.
What you'll need
- Money put aside for the down payment.
- Income you can show, even if a bank wouldn't count it.
Made for people the banks turn down.
The self-employed
Banks usually want two years of tax returns, and your write-offs make your income look smaller than it is.
People paid in cash
If your pay doesn't show up on a pay stub or a tax return, a bank can't count it.
People with no credit history in this country yet
Banks lean on your credit history, and building one here takes time.
People with an old bankruptcy or missed payments on their record
Many banks won't lend for years after a bankruptcy, even once you're back on your feet.
Plenty of them can afford the payment.
How it works.
- 1
Tell us what you want.
The kind of home, the area, and the monthly payment you're comfortable with.
- 2
Show us what you've got.
The money you've put aside for a down payment and the income you can show, even if a bank wouldn't count it.
- 3
We go looking.
We search for homes that fit what you want and what you can afford.
- 4
You decide.
Nothing is signed until you've seen the home and you're sure.
Tell us what you want.
The kind of home, where you want to live, and what you can put toward it. Then we go looking.
Why families talk to us.
No mortgage approval.
You pay us each month instead of a bank.
You see the payment first.
When a home fits, we tell you the monthly payment first. You see the home and every term before you decide anything.
It's yours from the day you sign.
You're buying the home, not renting it. It's yours to live in and make your own.
Buying, not renting.
When you rent
- You need permission to paint a wall or get a pet.
- When the lease is up, the owner can sell and you have to move.
When you buy from us
- The home is yours from the day you sign.
- Paint it, fix it up, get the pet. It's yours to make your own.
- We buy the house, then finance it to you ourselves. No bank, no loan application.
Questions people ask.
Do I need good credit?
Not necessarily. What matters most is money saved for the down payment and income you can show, even if a bank wouldn't count it.
Is this rent-to-own?
No. You're buying the home, not renting it. It's yours from the day you sign.
How much do I need for a down payment?
It depends on the home. We'll go through the numbers with you before you decide anything.
Can I buy from you if a bank would approve me?
Yes. Some buyers who could get a bank loan still choose to buy from us. Tell us what you're looking for and we'll talk it through.
Can I choose the home?
Tell us the kind of home you want and where you want to live. We'll do our best to find it for you.
Do I get to see the home first?
Yes. You see the home and every term before you decide anything.
I'm self-employed or paid in cash. Can I still buy?
Yes. Banks often turn those buyers down. We look at the income you can show, even if a bank wouldn't count it.
Who takes care of repairs?
You do. You're buying the home, so it's yours to look after and make your own.
Tell us what you're looking for.