1.) The mortgage business is very volatile now and a lot of alternate programs are gone. Can I still buy a home?
-Remember that buying is a better idea than renting. Yes, many of the rather irresponsible loan programs have been stopped. The good FHA and SONYMA loans are alive and well. They require more documentation than the higher interest loans. We give buyers three years to qualify so they don't need to get the sub-prime loans. So, it is more important now to work on your credit profile immediately after moving in. Waiting until the last year was okay in the past. Today, it will require earlier attention and discipline. These are beneficial steps anyway, so we like the new environment better.

3.) I want to paint, add an extra room and buy a pool! Can we do that?
- We assume you are going to buy the house, not rent it. You are encouraged to customize and personalize. This increased value will benefit you alone. The price we set will not change.

4.) Can we have pets?
- Although our objective is to remain in the background as much as possible we do require a $500.00 option deposit for dogs which will be added to your equity when you go to the bank for financing.  Pets must be licensed and our rent to own program does not allow aggressive pets with a record of attacking.

5.) I don't have 10-20% down payment. How can we buy a house?
- Our down payments are around 4%, and each month we add your earned monthly credit to your down payment. We expect you to remain in our program until your credit or income improves to the point where you qualify for an FHA 3% down payment loan. We will refer you to a lender who can give you advice, and a plan for your future mortgage.

6.) What if I am transferred out of state before I get a bank loan?
- You can sell the house at a price above the price we set when you moved in. The new buyers will pay you the difference.

7.) Who pays the school, county and village taxes?
- Easy to Own Homes Inc. pays the taxes, it is included in your monthly payment.

8.) Who pays the insurance?
- Easy to Own Homes Inc has a policy to cover the structure. Just like the taxes, insurance is included in your payment. Your renters policy ($10-$15 per month) will cover your contents in the home.

9.) I'm interested in the program. What do I need to do?
- Drive by any of our properties in your area. If you want to see the interior, have the required down payment and are ready to move, call us at 458-7047.  Our properties sell very quickly, so call us right away. The down payment and prorated monthly payment and proof of income qualifies you. There are no closing costs.

10.) What do I bring with me when I sign paperwork?
- The process is easy and fast.  Just bring the required funds in a cashier's check, copy of your most recent pay stub, copy of your license or other photo ID, a copy of your Social Security Card, and proof of renters insurance.

11.) What if you don't have a house in my area?
- Fill out our information sheet and we'll call you if a future house meets your needs. We will email you with new properties.

12.) What if we can't get a bank loan by the end of our 3-5 year option period? 
-As long as you have treated the house as an owner, and followed our program guidelines, we will renegotiate the terms and keep you in the house.

13.) My friend is selling his house? Do you buy?
- We will pay you $300 if we buy an unlisted house for our program that you referred to us.

 14.) What is Seller Assisted Financing?
- Buyers whose credit is almost ready for bank approval may need our help financing some of their down payment.  In this case, one of our mortgage lenders would approve you for a loan with a high down payment and we would hold a second mortgage so you have very little money out of pocket.  During this approval process you may be living in the home already.

15.) I'm a first time homebuyer.  Can you help?
- Most of our buyers are new to the home buying process. We will teach you about financing at one of our educational seminars.

Join our list of satisfied customers give us a call today....And start owning your home.

Call For Information Today

(315) 458-7047