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Please feel free to contact us with any questions you may have.
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NEWSLETTER
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Periodic email articles covering mortgage insider tips, credit concerns and updates on major loan developments.
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Selling? Moving? We invite you to take advantage of our Full Service Real Estate services. We develop a personalized marketing strategy to most effectively sell your home including:
Getting your property listed on the MLS
Listing your property on other websites such as RentOrSaleProperties.com and Realtor.com
Open Houses
Pre-qualifying prospective buyers
Marketing to local Realtors and their own personal network of buyers
and so much more!
A Lease-Option (also called Rent to Own) is somewhere between Landlording and Selling with some benefits of both. It is two contracts: a Lease and a non-binding Option to Purchase the home at a predetermined future date at a pre-set (but not always) price. In this arrangement you are both a Seller and a Landlord.
Here are some features and benefits for the landlord/seller:
Top sales price, even if demand is low: You attract more buyers who are willing to pay a premium because of the exclusive financing terms and value you're offering.
Higher than usual rent: Since you are flexible on your financing terms and are offering a tremendous value, you can demand a higher than usual rent.
Positive cash flow: Since you can demand a higher than usual rent, your positive cash flow will increase.
Non-refundable option money: When a tenant/buyer executes (signs) a Lease-Option contract, you receive a non-refundable option deposit that is yours to keep should they default or decide not to buy.
Save thousands in fees: Since you are selling your home by owner, you will avoid paying a 5-10% realtor commission which quickly adds up to thousands of dollars. You will also save on advertising costs because your home will be sold a lot faster.
Highest quality tenants, minimum risk: Because you are renting to tenants who have a vested interest in your home, they think like homeowners and tend to take good care of it.
No maintenance, no landlording headaches: Tenants who have a vested interest and believe they are a homeowner may feel a "pride of ownership" that encourages them to pay on time, perform routine maintenance and make improvements to your home.
Tax shelter is held intact: Because you remain on the deed until the option is exercised, you maintain all of the tax benefits of ownership.
Largest market of buyers: You are marketing your home not only to traditional buyers, but also to renters and investors. These three groups make up over 95% of people whom buy real estate.
No vacancies: When you advertise your home as a Lease-Option your phone will literally ring off the hook. Typical turnover time is days or weeks instead of months or even years.
Peace of mind: It is safer than conventional rentals because of the quality of the tenants and their vested interest in your home. It also means that someone is living on-site who will watch and guard your home against fire, theft, vandalism, etc.
We have aligned ourselves with some of the most stable and competitive lenders out there to offer our customers the widest array of refinancing options.
 
The Home Ownership Accelerator is a revolutionary loan product that will help pay off your home in record time without changing your current spending habits. It does not require additional monthly payments or a bi-weekly payment schedule. This loan is available for purchases or refinances (both up to 90% loan-to-value) to borrowers with excellent credit history who show a strong savings pattern. Please call us for a free dedmonstration!
Looking for your new home? How about an investment property? We offer loan programs for home buyers with 0%-20% down! Special programs for first-time buyers, teachers and other professions. Not only can we finance your home but we can also help you search for the perfect property!
* Loans are subject to qualification based on credit and income underwriting guidelines.
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