Buy A House

Good, Fair, Bad and Ugly Credit is OK!

Regardless of your situation, we can help you buy a house today.  Whether you’re a qualified buyer wanting a real estate agent to show you the best homes in the area.  Or whether you’re a credit challenged buyer that needs help qualifying for a home.  We can help you today.

As a Qualified Buyer, you may want to:

-Get pre-approved for your new purchase. This takes very little time and is of great value.
-Work with a real estate agent that can help you find the home you’ve been looking for.
-Submit the offer as if there will be multiple offers.
-Include substantial earnest money deposit to show that you are serious.
-Minimize contingencies.

Bank Financing - with the help of a local loan officer, we can help you qualify for a bank loan.  Our loan officers are professional at helping you figure out which loan program is best for your situation.  Contact us today to see how they can help you get the financing you need.

As a Credit Challenged Buyer, you may want to:

-Consider using one of our Home Ownership/Special Financing Programs such as:

Lease-To-Own - with this program, you can lease the property of your dreams until you are ready to qualify for financing.  With a reasonable down payment and steady monthly payments you can enjoy the pleasure of living in the home of your dream, and we will help you qualify for financing later.

Owner Financing - we can personally finance the purchase of your home.  Through this program, there is no bank financing required and gives you all the benefits of home ownership. Enjoy immediate occupancy, tax breaks, and the pride of owning your own home with a reasonable down payment and without the high closing costs.

Our aim is to make the process of owning a home SIMPLE

Here's your chance to make your dream of owning a home come true! By using our loan officers to buy a home today, or by eliminating the need for banks and lending institutions through our special financing options, we have made it possible for many to fulfill their dream of becoming a homeowner regardless of your situation. If you can afford a reasonable down payment and monthly payments, you could easily qualify for one of our exciting home purchase programs!

Click here for our online application

Do you have Credit Problems?
Have you been turned down for financing elsewhere?
Are you lacking down payment?
Have you filed bankruptcy?
Are you self employed?

Millions of honest, hard working, Americans lack the near perfect credit that banks and mortgage companies require to buy a home! Late payments, repossessions, divorce, medical bills, unstable work history, lack of a huge cash down payment, too much debt, judgments and bankruptcy can all spell rejection when you try to buy a home.

If you can afford a reasonable down payment and monthly payments, you could easily qualify for one of our exciting home purchase programs! If you wish to be notified as soon as a house becomes available that meets your criteria, be sure to join our e-mail Waiting List below.

Click here to see our currently available homes

Click here to be added to Waiting List

BUYER’S FREQUENTLY ASKED QUESTIONS

HOW DOES YOUR FINANCING WORK?
Our Goal is to make it easy to own a home.  We offer lease options and owner financing where we can sell you the home without having to qualify at a bank.

HOW MUCH DO I NEED FOR A DOWN PAYMENT?
We are very flexible with down payment.  We can offer many options and we will always do our best to work with whatever funds you have available.  You can start out with our Lease Option or Owner Financing program, and then at a later date apply for Lender Financing.

WHAT IF I NEED HELP WITH A DOWN PAYMENT?
Yes we do.  We can set up a monthly payment plan spread out over 3-6 months.

WHAT KINDS OF DOWN PAYMENT WILL YOU ACCEPT?
Unlike most lending institutions, we accept borrowed funds for closing.  If you have a close friend or relative willing to lend you money for your down payment, you can use that in our program.  You may also be eligible to withdraw or borrow from you 401k to purchase a home without penalties.  We also accept trades.

HOW DOES YOUR OWNER FINANCE PROGRAM WORK?
We can Owner Finance you the home NOW with the exclusive right to get your own financing later.  Our buyers love it because it gives them time to clean up past credit problems, time to sell another home, try out the neighborhood, or save up for a larger down payment.  We also give you Warranty Deed and a Deed of Trust, giving you 100% ownership of the home.

WHAT INTEREST RATE DO YOU CHARGE?
We are flexible with our terms to meet your needs.  Typical interest rates ranges from 7.5% to 8.5% depending on down payment, and application.  All credit accepted with a reasonable down payment and applications are necessary to verify income and employment.

DO YOU OFFER CREDIT RESTORATION?
Although our company does not personally offer credit restoration services, we do work closely with credit restoration companies that can help you clean up your credit.  In many cases, we may offer to pay for the cost of the credit restoration service for you, if you use our preferred restoration company.

I WANT TO BUY THE HOME, NOW WHAT?
Just fill out an application.  For faster processing, you can fax it in!  We will contact you within 24 hours once we verify income and employment.  Please keep in mind that our homes sell quickly so get your application in quickly.  Fax: 661-285-7436.

IF YOU HAVE ADDITIONAL QUESTIONS PLEASE CALL US TODAY AT:

PHONE: 831-682-2166
FAX: 661-285-7436
Email: info@teamsibr.com