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We Are Dedicated To Finding You A New Home

 

 

 

 


We are not realtors who are selling someone else's homes, nor are we bankers or loan brokers who get paid to find you a loan.

We are a family-owned Airdrie company with several lovely homes which are available for purchase.  We are proud to live in this community and be your Airdrie specialists.

Since we own the homes, many times (depending on your circumstances) we are willing to finance all or part of the purchase ourselves. All the normal rules concerning credit, debt ratio and yes, even down payments are thrown out the window. Since we own the homes, we can be very innovative with the financing and structure it to fit your needs.

So, here's what it comes down to. If you're truly interested in buying a home of your own, we'll give you several options after this message. If we have a home you like and you have something we can work with, you can be in a home in fewer than 30 days. Just be aware that if you have very bad credit and no money - unfortunately we probably can't help you. On the other hand, if you have a small down payment, but have lost your credit, are self-employed or just need time to establish credit, we can probably help you buy a home now.  Please let us look at all the facts before you decide you can't qualify. 

Remember, we own the homes. We can make the decisions.  We can do whatever works for you, the buyer and for us the seller to create a win-win situation.  You can't imagine how many folks are now in a home of their own because they let us work our magic.  Most thought they couldn't qualify and could never buy a home. They were wrong! Keep reading to see some of our most frequently asked questions.

You Have Damaged Credit ? Can You Buy A Home?

Of course! You'll be glad to learn that you actually can buy a home with damaged credit. In fact, it's quite common.  To do so often requires a flexible seller who is willing to help finance part of your purchase price.  You see, there are a lot of lenders who specialize in financing homes for folks with credit problems.  To reduce their risk, they may simply reduce the amount they loan.  This means the buyer must have a big down payment or the seller must be willing to finance the difference on a second mortgage.  Getting you a loan is generally not a problem, however finding a flexible seller who doesn't need all their cash immediately, may be more difficult.

Is Your Debt Ratio Too High? Just How Much Home Can You Afford?

You may be surprised to learn how much of a home you can afford.  Generally accepted standards say that your new house payment added to all your other monthly payments, should not exceed about 40% of your gross (that's before income tax) for you and your spouse.  Keep in mind, that does not include items like insurance, clothing, food, utilities, entertainment, etc.  You should add only those items with fixed payments such as cars, furniture, credit cards, mortgage, student loans, etc.  If an item doesn't show on your credit report, it probably won't count against you as a debt.

If You Can't Easily Verify Your Income, What Options Are Available?

If you feel you can't buy a home, because you can't verify your income, think again.  Some of our happy customers felt the same way before contacting us, but they found himself in the home of their dreams within 30 days.  There are several little known ways to verify income and many loans available that don't require it.  In fact income verification is one of the easiest problems to fix in the home buying process.

If You Have Nothing To Put Down, Can You Really Get Financed?

It may surprise you to know we've helped other folks buy a home of their dreams with only a small down payment.  Conventional wisdom says it can't be done but conventional wisdom is almost always wrong.  Frankly if you have no money and very bad credit, there's nothing we can do for you.  However, if you have provable income and have a larger monthly payment available to you, we have several options open to you.  

What About Our Lease Option Program?

Are you tired of making monthly rental payments?  Think of all the money you've wasted in rent over the last few years.  What do you have to show for it? Homeownership may seem to many to be an impossible dream.  Saving enough money for a down payment while paying rent or trying to secure a mortgage with a low paying job or bad credit history, are only a few of the obstacles that make buying a home seem so difficult.  Wouldn't it be great if some of these monthly payments could have gone toward the actual purchase price of your home?

Now they can! With our unique Lease Option program you can realize your dreams.  The Lease Option program allows you to lease and occupy a home while at the same time building a down payment towards the sale price that we set the day you sign the Lease Option agreement.  This way, you enjoy the pricing and pride of ownership today even though you won't finally purchase the home until later.  Plus, you also know that the work you do in the home will not be wasted when the lease is over.

Best of all, through this program, while you're living in your home of the future, you're also building up your down payment, improving your credit, and putting yourself in a position where home ownership is not only possible, but easy.

This unique program truly makes homeownership a possibility for anyone with something to work with.  To see the homes that are currently available click here.

Do You Have a Down payment, But Want To Get Owner Financing?

If you're looking to buy a home and feel that owner financing is your best option, you've come to the right place. We have several homes available and since we own them, we are free to work out special financing arrangements to suit your needs.
Simply put, the more you have to work with, the easier it will be to get you in the home quickly, sometimes in just a couple of days, and under great terms. If you have a good down payment, the best thing to do is contact us now or call us to discuss your needs. To get a list of homes to tour, click here, and even if we don't have one available that you like, we'll add your name to our VIP list and we'll find the one as soon as possible.

Don't procrastinate because beautiful homes like these, which you can buy with owner financing are rare indeed. If we didn't own them, we couldn't offer such easy terms and obviously the demand is bigger than the supply. If you're serious about buying now, your best option is to start now. It costs nothing and there's no obligation. Just click here to look at the property we currently have for sale.

Remember, regardless of whatever kept your from buying a home in the past, don't let it stop you now! You're talking to the owner direct, not a realtor. We're free work it out between ourselves without banks dictating the rules.

So, if you have a down payment and want a home of your own, click here.

The choices are simple:

Do nothing, and continue to make your landlord rich
OR
click here to look at our attention renters information.

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Continue to be stuck in a home you want to get out of
OR
Get the ball rolling by viewing our homes that are currently available and ready for your inspection.


The choice is yours and yours alone. One more thing. We keep a list of serious folks who are looking for a home on file at all times. We notified these folks of new properties available first. They get a shot at them before anyone else even knows about them. Sometimes we do not even have a chance to advertise them on our web site. So, even if you don't like one of our current homes, make sure you click on the my dream home button to help us get started helping you find the home of your dreams. It costs nothing to explore your options.