Airdrie Rent to Own
Your Home Ownership Dreams Come true
Find your home today! Check out our available properties:
We are a family-owned Airdrie company with several lovely homes which are available for purchase. We are proud to live in this community and be your Airdrie specialists.
We are not realtors who are selling someone else’s homes, nor are we bankers or loan brokers who get paid to find you a loan. We’re actually the owner of several lovely homes which are available for purchase. Since we own the homes, many times (depending on your circumstances) we are willing to finance all or part of the purchase ourselves. All the normal rules concerning credit, debt ratio, proof of income and yes, even down payments are thrown out the window. Since we own the homes, we can be very creative with the financing and structure it to fit your needs.
So, here’s what it comes down to. If you’re truly interested in buying a home of your own, I’ll give you several options after this message. If we have a home you like and you have something we can work with, you can be in a home in less than 30 days. Just be aware that if you have very bad credit and no money - unfortunately we probably can’t help you. On the other hand, if you have at least fair credit but little or no money – or if you have some money but have lost your credit, we can probably help you buy a home now. Please let us look at all the facts before you decide that you can’t qualify.
Remember, we own the homes. We can do whatever you and we agree to make it work. You can't imagine how many folks are now in a home of their own because they let us work our magic!
Keep reading to see some of our most frequently asked questions.
Of course! You'll be glad to learn that you actually can buy a home even if your current credit is damaged. In fact, it's quite common for us to work with Buyers who have damaged credit. To do so simply requires a flexible seller who is willing to help finance part of your purchase price or offer a purchase program that gives you significant time to build your credit up. Over many years, you can often fix just about any problems with your credit in order to qualify for a traditional loan on a much later date.
You may be surprised to learn how much of a home you can afford. Generally accepted standards say that your new house payment added to all your other monthly payments, should not exceed about 40% of your gross (that's before income tax) for you and your spouse. Keep in mind, that does not include items like insurance, clothing, food, utilities, entertainment, etc. You should add only those items with fixed payments such as cars, furniture, credit cards, mortgage, student loans, etc.. If an item doesn't show on your credit report, it probably won't count against you as a debt.
If you feel you can't buy a home, because you can't verify your income, think again. Some of our happy customers felt the same way before contacting us, but they found himself in the home of their dreams within 30 days. There are several little known ways to verify income and many of our purchase programs don't require it immediately. However, if you are looking to get a traditional loan in the future, there are specific ways you need to document your income and we can get you on track immediately to fix it.
This usually applies to first time homebuyers or applicants with excellent credit. If this is you, it may surprise you to know we've helped other folks buy a home of their dreams with little or no money down. Conventional wisdom says it can't be done but conventional wisdom is almost always wrong. Frankly if you have no money and very bad credit, there's nothing we can do for you. However if your credit is good, and you have provable income, there are still programs available for you now. These programs are designed to help folks with great credit buy a home with little or no money.
Are you tired of making monthly rental payments? Think of all the money you've wasted in rent over the last few years. What do you have to show for it? Homeownership may seem to many to be an impossible dream. Saving enough money for a down payment while paying rent or trying to secure a mortgage with a low paying job or bad credit history, are only a few of the obstacles that make buying a home seem so difficult. Wouldn't it be great if some of these monthly payments could have gone toward the actual purchase price of your home?
Now they can! Many of our homes offer a Lease Option program which allows you to lease and occupy a home while at the same time building equity towards the sale price that we set the day you sign the Lease Option agreement. This way, you enjoy the pricing and value of ownership today even though you won't finally purchase the home until later. Plus, you also know that the work you do in the home will not be wasted when the lease is over.
Best of all, through this program, while you're living in your home of the future, you're also building equity, improving your credit, and putting yourself in a position where home ownership is not only possible, but easy.
This unique program truly makes homeownership a possibility for anyone with something to work with. To see the homes that are currently available click here.
If you're looking to buy a home and feel that owner financing is your best option, you've come to the right place. We often have several homes available that we own and so we are free to work out special financing arrangements to suit your needs. We can provide owner financing for all or part of the purchase price, regardless of your credit, debt ratio, income verification, and other factors that prevent deserving folks from getting bank financing. However, this will require a significant down payment to make it possible.
Simply put, the more you have to work with, the easier it will be to get you in the home quickly, sometimes in just a couple of days and under great terms. If you have a good down payment, the best thing to do is contact us now or call us to discuss your needs. To get a list of homes to tour, (many of which have possible owner financing) click here, and even if we don't have one available that you like, we'll add your name to our VIP list and we'll find the one as soon as possible.
Don't procrastinate because beautiful homes like these, which you can buy with owner financing are rare indeed. If we couldn't own them, we couldn't offer such easy terms and obviously the demand is bigger than the supply. If you're serious about buying now, your best option is to start now. It costs nothing and there's no obligation. Just click here to look at all the property we currently have and learn what programs we may available for you.
Remember, regardless of whatever kept you from buying a home in the past, don't let it stop you now! You're able to talk with someone with an ownership interest in these homes, not a Realtor. We're free work it out between ourselves without banks dictating the rules.
So, if you have a down payment and want a home of your own, click here.