We realize our clients have a wide spectrum of credit scores and income.  Some of the homes we have are available with seller assisted financing.  This is for buyers who can qualify now with a high down payment.  Banks will finance you earlier if they can give you a lower portion of the home’s value.  Normally this would require a large down payment and make it difficult to buy.  Easy to Own Homes Inc. will finance a large portion of that down payment in the form of a second mortgage.  Now, you can own the home with a much smaller out of pocket investment. 

Once your credit improves, by making on time payments, the bank will refinance you at a lower rate and get rid of the second mortgage.  This is more likely to happen if you improve the home and enhance its value. 

As with our Rent To Own program, you will  move right in and enjoy the home while the bank is processing the loan. During this prepossession period you will be enrolled in the Rent To Own program.  The difference is you have already been pre-approved for a bank mortgage and the closing should happen within a few weeks. We can refer you to a mortgage broker.  Even if you aren’t ready to get a loan, the broker can estimate the time and steps required before reattempting the loan process.  This is what a Rent To Own program is designed for.