Owner Financing, lease options, lease purchase for Charlotte NC home buyers or across the county.

Become a proud homeowner today!

We have owner financing, lease options, lease purchase homes for those with credit or lack of job history.

Now that lenders are cracking down on their loose lending that was going on a few years ago, more and more renters have less options to purchase a home and have to continue leasing. A lot of tenants have to remain subject to their landlord lease but can afford the payments and expenses of homeownership.

These renters need more options to open the doors for them to secure a home that they can purchase. That is where we come in. We have homes for buyers with good credit, not so good credit and absolutely terrible credit.

Our lease option to purchase homes are for those renters that have not so good credit but a little money to put down. With the option to purchase they can secure a home that they choose and can lock the home down so no one else can buy it. With these potential buyers we have them work with our mortgage specialist that will put them on a plan to buy a home within the next one or two years.

Our lease purchase homes allow a potential buyer the time they need to get a few things in line on their credit. Their credit isn’t as bad but they need to establish their rental history usually for one year. With the lease purchase the potential buyer is locked into the house and no one can come in and purchase the home while they are there. You don’t have to worry about a landlord. As with the lease option, this buying process gives you complete responsibility of homeownership. You have to maintain the house as if it is yours because it is. You don’t call a landlord to fix something that you may have broken, you will be completely responsible.

Complete owner financing or seller financing gives you complete ownership of the home. With seller financing we become the bank and create financing that is affordable for you. This way of purchase requires more of a down payment and usually a better credit score or around 525 or better. Since you won’t have to go to the bank to buy this way, you will be require to put at least 5% of the purchase price down. This is ideal for buyers that don’t have the credit or job history to buy a home but get to enjoy complete ownership of the home. That is why we require a larger down payment because the home becomes yours.

We have homes available from Ranches to Luxury Homes.(Link to the Luxury Home webpage)

Most of our homes we don’t get to list on this website because they are gone before we get a chance to post them here.

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Date of desired occupancy:
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Would you like to take advantage of our owner financing or lease purchase programs:

How much of a down payment can you raise:

What is the maximum monthly payment you would could pay:

Is your credit:

Your Personal Information

* First Name:

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Your Work

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Owner financing gives you the chance to qualify for loans with a variety of payment options such as interest-only and balloon payment. You have the flexibility to mix and match options and negotiate for a favorable rate.

Charlotte First Time Home Buyers

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