Welcome

 Currently only 20-30% of American families can qualify for a traditional loan. That means 75+% of Americans CANNOT qualify. We offer six programs to make housing available to the most people possible. According to a HUD study, 67% of Americans live in a home. That means over 100 million people do not live in traditional housing. While some choose the convenience and affordability of apartments, most are forced to be there due to the lack of affordable housing and the ability to get financed. Our network of affordable housing providers fills that gap.

 Harvard, HUD and others have done studies that prove when families and individuals have the stability of their own home in a community, incomes rise, the number of children going on to higher education increases, family stability increases, likelihood of children turning to crime is lowered, and overall outlook on life is improved. The pride of home ownership is a key element.

  Because they can’t. Issues from their past including job loss, foreclosure, bankruptcy, and bad payment habits causes a low credit score and lenders, particularly now in this economy, won’t work with them. Our programs are designed to work with people without considering their past credit history. We only need sufficient down payment from our buyers. This can be sourced from gifts from family; county, state, and city grant programs (if available); IRA or 401K loans; and philanthropic foundations.

   Because we serve people where they are. We help them get onto a path of home ownership now. If they have a job and/or sufficient verifiable income, then we can provide them with a home.

  Bank foreclosures, probate properties, real estate agent listed properties, and properties sold to us from the public.

  No. Only those with stable job, pension, social security and/or disability income can qualify. 

   It depends on how long it takes to reach the references on their application. Most are complete within 24 hours.

   If they rent, then we complete a Standard Rental Agreement. If it’s Rent To Own, then we complete a Standard Rental Agreement plus an Option To Purchase Agreement. If it’s Owner (Seller) Financing, then we complete a Standard Agreement for Deed. If they have sufficient credit to qualify for FHA, VA, or traditional loan, then we complete a Standard Purchase and Sale Agreement. If they don’t have sufficient down payment for any of the above programs, then we complete a VIP agreement and place their initial and subsequent payments in escrow at our bank. We also provide lead based paint disclosures, Move-In inspection reports, and other basic paperwork.

   They certainly do. In fact, we encourage it. As soon as their credit has improved enough, they can obtain a FHA or traditional loan at a lower interest rate. We also provide them with a do‑it‑yourself credit repair kit free of charge.

 Our long range plans include offering regular financial budgeting classes to help people understand the need to plan their income and expenses so that they are not at risk of losing their homes.

   Yes. For every new client referred with whom we do business anyone can earn from $250 to $1000.

 We provide the financing. No banks are needed. Past credit is not one of our criteria in the approval process. If they don’t have sufficient down payment, we have several programs to step them up to the final plan of home ownership.