Self-employed and don't fit a W-2 underwriting model. Credit hit by something that's now in the past. New job, but no two-year history yet. Down payment short. We work with families that traditional financing leaves behind, and we structure agreements that get you in a home now and into a real mortgage later.
We agree on a home, a price, and a timeline up front. You move in, make monthly payments, and build toward owning the home outright. No surprises, no moving goalposts.
Find a home you love. We acquire it under our structured agreement, set the purchase price up front, and you move in as the future owner.
The price we agree on today is the price you'll pay when you exercise your option to purchase. Market goes up? You keep that gain.
You pay monthly while we hold the property. Most agreements include credit toward your eventual purchase price, plus time to repair credit and document income.
You make good money but your tax returns don't show what banks want to see. Underwriters want clean W-2 income, but real entrepreneurs don't fit that box. We do.
A medical bill, a divorce, an old issue. Your credit is on its way back but isn't there yet. Lenders need a 700+ score; you need a way forward in the meantime.
You just got the job, the promotion, the new business. But banks want two years of income history before they'll lend. You shouldn't have to wait two years to live somewhere you own.
Banks want 5-20% down. You're getting there but not there yet. Why throw money at a landlord while you wait? Move in now, build toward ownership.
No SSN, no traditional credit history, but real income and a real desire to plant roots. Most lenders won't touch the file. We can structure something that works.
You're done paying someone else's mortgage. You want to own. The conventional path didn't work, but you're ready. That's enough to start a conversation.
We won't sell you fairy tales. Becoming a homeowner this way takes commitment. You'll make consistent monthly payments, work on your credit if it needs work, and follow the plan we map out together.
What we promise: a clear price, a clear path, a clear timeline, and a real opportunity to own. We'll connect you with a credit counselor and a mortgage broker so you know exactly what you need to qualify for a conventional loan when the time comes.
We do this because we believe homeownership changes families. We've seen it. And we'd rather help one family the right way than push ten through a bad deal.
Let's talk about your situation. No applications, no commitment. Just an honest conversation about whether this path makes sense for you.