It’s a recurring nightmare……something out of the old black and white Twilight Zone TV series…..You’re a renter…..you’re trapped within the walls of a house or apartment that doesn’t belong to you. You have no control…..You can’t make any decisions….You can’t change the carpet…You can’t paint the walls a different color….You can’t have your music turned up loud enough to hear it without headphones after 10 pm…. And yet the upstairs renters clomp around in bare feet sounding like a horse race at 2am… There’s no storage….There’s no place for your guests to park…You can’t even bang a nail into the wall without enduring the wrath of a maniacal over controlling landlord who thinks because you rent there they own you.

Month after month after month you write a rent check. The rent keeps going up, it’s not yours, you are building equity and buying a home or apartment building for someone you don’t even like…….WHY ARE YOU DOING THIS?????

Rent VS Buying Calculator

There is no one-loan program that fits everyone’s needs. Because each person is different, each loan program needs to be different. That’s why we work with over 400 lenders to find the best program that is right for you and for your circumstances. 

2. Reasonable Debts.

Now is not the time to run out and purchase all the furniture and electronics that you think you will need for your new home as well as two new cars to put in the garage.

You may end up with a lot of great shiny new stuff and no home to put it in.
You will be required to disclose all of your current debts in order to determine how much home you can purchase in the first place. There is a little something called the “Debt to Income” ratio and you want no more debt than is absolutely necessary.

The most important purchase you can make is your home! PLEASE… wait to purchase those other items until after you have your home. 

3. Employment Stability.

Lenders like to see stable home buyers. Ideally they like to see a history of employment in the same line of work, although we can get by with as little as 2 or 3 months depending on the situation. If you were attending college or a trade school and soon after graduation you obtained a job in the field you prepared for in school, even though you are new to the job, the education counts as 2,4 and sometimes even more years of employment in the same field. If you are self-employed you will need to show you have been self-employed for 2 or more years. (Don’t think you make enough income? You might be pleasantly surprised at how we can help you.)

Benefits of the Zero Cash Down Payment Programs

1. No Down Payment

You are already buying a home! Unfortunately, if you are paying rent, you are buying it for your landlord. (That’s very nice of you.)
The 1st and most important step to your financial security is owning your home. You have to live somewhere. Wouldn’t it make more sense to be buying it for yourself and having all that money build up for your benefit instead of paying rent month after month, then walking away and giving all that money to your landlord? Is he really that nice?

Many people have never started on the road to homeownership because they have been told by well meaning family, friends, parents, bankers and others that you must scrimp and save until you have set aside a large sum of money for the down payment and closing costs. To make matters worse, while you are attempting to save up this down payment and closing costs, the home you would like to buy today is going up and up and up in price and value and now requires you to save even more money. It can be like the proverbial Dog Chasing His Own Tail. You simply can’t run fast enough to catch up!

When you own your home, the home goes up in value and builds money for you.

We can show you how owning your home can be no more costly than renting. (In the long run, it’s far less costly than renting……many times It’s FREE!)

2. Yes…..You Can Buy a Home Today!

Homes in the United States have been going up and down in value since 1850, although they are of course up overall. In our current market conditions we are experiencing a downturn, which from a buyers position is great. Not only are home prices down, but interest rates are also at historically low levels. If ever there were a time to be looking at buying a home, this would be it. Click here to receive a list of all the hottest new listings that meet your criteria emailed daily right into your inbox!


3. It’s Easier Than You Think.

There are many, many loan programs to help you. You may already have been confused as to where to even start with terms like 80/20, 90/10, 103%, 105%, 115% loans, allowable contributions, FHA, Fed VA. Grant Programs, 100% with a line of credit for closing costs and on and on. It’s enough to turn a great many homebuyer hopefuls absolutely stone cold. (Brrrrrrrrrr)

Don’t worry about it! While there are limited options in our current market conditions, there are still many programs available to buyers with no or little cash. When you sit down and talk with us, we will guide you through the maze of terms and options so easily you will think you knew it all along.

Keeping it simple is our job…..we’ve been doing it since 1993.

4. Rates Are Low, Low, Low!

These low rates have just begun to slowly rise after falling to a 40 Year Low over the past few years. They will not wait for you or anyone else.

It is unlikely that you will ever find the combination of low rates and moderate home prices that you will find today if you should decide to wait for some unknown time in the future.

5. We Can Turn You Into An All Cash Buyer! (With No Cash of Your Own)

Prest-O… Change-O … Poof!!! With a Pre-Approved Loan that we will arrange with one of our numerous investors,  we can change you from a house looker and dreamer, into an all cash buyer in the eyes of the Seller and the Realtors you will be working with.

This is very important!!! We will take the time and effort, at no cost to you, to pre-approve you for the best loan, rate and terms available for you. By doing this, you will now have a very realistic idea of just how much home you can afford. You will not be embarrassed or disappointed by making an offer on a home that you cannot qualify to own. Once we have accomplished this, we will issue a pre-approval letter for you to give to your Realtors and/or Seller to show them that you are now a very serious buyer. All the Seller need do is sign your offer and their home is sold. The loan has already been taken care of. This places you at the top of the list to buy that home and will enable you to beat out other buyers competing for that home. 

We hope this information has helped and we look forward to hearing from you soon.