1. What are the advantages of This program?

Answer: Low deposit and easy qualifying non-bank alternative. This program allows you to buy your own home without paying a large deposit, closing fees, or bank fees. If you have a regular income, a good track record in paying rent and a small deposit from just $1900, our program may be available to you. Your monthly house payments will range from $799-$1199 per month, depending on the house involved.

It can take several years to save for a minimal Down Payment to qualify for a Bank loan. During this time most people still have to pay over$10,000 per year in rent. By the time they have saved a deposit, house prices have more than likely increased. Using our Program you can move in now and start owning your own home much sooner.

2. What does easy qualifying really mean?

Answer: Easy qualifying means that you do not have to jump though the hoops like at a Bank. All we require is a basic application which can be done online or over the phone (we can also mail or fax it to you). There is NO COST to you. Once you are pre- qualified, we can make an appointment to meet with you at the property. No 45 day closings you can move in right away.

Answer: We look for three basic things:

• Verification of employment. We are looking for someone who makes a reasonable income with established job history.
  
• Regular Rent payments (or house payments). We are looking for someone who has a history of making the rent (or house) payments on time.
  
• Credit. The credit doesn't have to be great. Slow pays, Charge offs or even a bankruptcy can be okay. What we're looking to avoid is the person who makes a habit of not paying their landlord or mortgage company on time. As long as you are honest and up-front with us, we can generally work with you.

Answer: Yes, we simply verify all information from your previous area. Thus, it is very important that you provide us with all information, including addresses and telephone numbers.

Answer: We can usually give you an answer within two to three days. From there, it's just a matter of paying the deposit and arranging an appointment with your consultant to OK the paperwork. Get your keys and you’re ready to move-in!!

Answer: You have legal rights to possession and the right to purchase the property. Basically we exchange contracts but do not settle for 25 - 30 years or until you refinance. You have "control" of the property. (Just like when you buy a new car, the bank holds the title but you “own” the car.

Answer: If we fix the houses up, we would then have to charge a $9,000 - $10,000 deposit. The problem is that most people do not have that sort of money in their pocket. We have found that most people would rather pay a small deposit and move into the house that was in livable condition and just needed a little fix - up. It gives the buyer a lot more benefits. First, you can afford to move in today. Second, you can fix the house the way you want it. And third, you can pick up some sweat equity for your efforts.

Answer: Yes. You may use any lender to refinance the loan. After 12 months of on-time payments, you'll be able to refinance your home. Keep in mind that in all likelihood it would be at least 1-3 years until you build up enough equity to qualify for a new loan

9. What do I need to do to get started?

FOUR EASY STEPS:

• Select your home — Look at our available homes on our property list and drive by the ones that you are interested in. We encourage you to get out and talk to the neighbors, check out the neighborhood and walk around the home look in the windows and see if you like it. We have new homes that become available often. If the homes on our list aren't a perfect fit, join our e-mail list and receive an update when a new home becomes available.
  
• Get Approved — It’s easier than you think and it is FREE! Before you preview the inside of your new home you must be approved. You can call us at 832-644-7200 or 800-574-4218 to apply over the phone with a representative or apply On-line easy Approval Form Click Here or Download a printable Easy Approval Form - and fax (fax number 832-644-7200) it to us for a quick approval.
  
• Preview the inside — We will schedule a time for you to view the inside of your home. If you like it, you'll want to take it off of the market so be sure to bring with you a copy of your driver’s license, proof of employment, and $1000.00 deposit (certified funds).
  
• Pick up your keys —We will schedule a closing appointment with you to do the final walk through and give you the opportunity to approve the paperwork. Bring the remaining total move-in cost in certified funds and you are ready to MOVE-IN ! !