Move In Today!
No Bank Qualifying!
About Our Program"
My name is Ken Tyler. If you would like to buy a home, but can’t qualify for a
conventional mortgage, you’ve come to the right place.
I'm a real estate investor and I buy and sell homes... I'm not a real estate agent. By
using my special financing, you can buy a home from us.
It does NOT matter if you have bad credit, bankruptcy, late payments, judgments,
liens, tax problems or charge offs, you can still buy one of our homes. It doesn’t
even matter if you have verifiable income. We believe that "EVERYONE" has a
right to own their own home.
We are constantly getting new homes in nearly every area.
Most of our homes are less than 5 years old and in near perfect condition. Only a
few of them are fixer upper bargains.
Many of these homes have beautiful new kitchens and master bathrooms, big
master bedroom suites, and big fenced in yards for the kids and your pets. Most of
them have big 2 car garages and plenty of storage.
On this web page, I’m going to show you the simple steps you can take to buy a
home. These aren’t difficult steps... they don’t take a lot of your time and, in fact,
they can be pretty exciting... especially when you start looking for your new home.
We make it very easy to own your own home... to have a place that you can claim
as your own and be a proud homeowner. Nearly every one of our past buyers had
been turned down again and again and again by banks and mortgage brokers...
even banks that advertised "bad credit okay." They never thought they’d EVER be
able to actually buy a home for themselves and their family until they got into our
program.
This web page will give you all the details you need to get into your new home in
as little as 7 to 10 days.
There is absolutely no charge for this service, we make our money on the sale of
the property. There is also no obligation. If you like what you see, great, let us
know and we’ll get you started and get you the list of properties we have
available... if, on the other hand, you decide it’s not for you, that’s no problem...
there’s no hard feelings. It’s really pretty simple and straight forward.
We get lots of calls, every day, from people who have homes they want to sell. If
we think these homes will fit the needs of buyers like you, we will purchase these
properties and then offer them to our "Registered Buyers."
We buy from sellers who, maybe can’t get their houses sold or maybe they just
want to sell quickly... there are as many reasons as there are sellers. It doesn’t
matter to us as long as the deal we make solves the Seller's problem, is profitable
for us and is right for one of our "Registered Buyers."
We aren’t in the business of taking advantage of distressed Buyers or Sellers. We
believe that we make the most money by helping people... and we sleep better at
night because of it.
By the way, if you are interested in selling a home, please click here. We will make
you an offer on your home within 24 business hours... then you can take your time
and decide if that offer is right for you.
So... since we are able to do this, we end up with a lot of properties and we are
constantly looking for good people to sell them to. Fortunately for us, because of
this web site, we have a ton of people who want to buy our houses. In a minute
I’m going to explain how we will structure the home purchase deal with you, but
first I want to tell you the second way we can help you find a home.
If what we are offering does not fill your needs or if you feel there is just too much
competition between our buyers for the homes we do have, (since we have so
many people in our program). If you feel you would like to buy a house that we do
not have for sale, we can still help. Here is what you do...
Once you are registered with us, you can also look at every home listed "For Sale
By Owner" or "For Rent" that is in the paper or has a sign in the front yard. If you
look at these properties and find 3 to 5 that you like, we can usually get on the
phone and put together a deal with the seller of at least one of them that will make
sense for you. Just let us know which properties you like.
We will negotiate with the seller so that we can structure the purchase in a way
that will work for your situation. These turn out to be win-win-win situations for
the Seller, for us (the middleman buyer) and for you, the end Buyer.
Okay... now you know how you are going to find your new home... either through
the list that we send out every week or by tracking down a "For Sale By Owner"
or a "For Rent" property. Now I’m going to move on to...
You Will Be Buying From Us
That means that you are buying the property from us. We lease the property to
you for a specific period of time, usually 1-2 years depending on your situation,
and during that time you have the option to buy it from us at a price that we both
agree upon when you first move in.
You will also pay a "Lease Option Fee" when you move in and buy the house from
us. This money will apply to the purchase price of the home and will reduce
(usually eliminate) your down payment when you eventually take out a 30 year
mortgage with a bank. The minimum "Lease Option Fee" that we accept is $2000
plus the first monthly lease payment. So if the monthly lease amount is $1050 and
the "Lease Option Fee" is $2000, you will need $3050 to close the deal and move
into the house. Make sense?
Each property is different and has a different "Lease Option Fee" amount. When
you register online, just tell us how much you have for the "Lease Option Fee" and
we will try to only send you houses that fit those specifications.
For example, if you have $5000 for the "Lease Option Fee," don’t ask for the list
of $10,000 "Lease Option Fee" properties... it will just disappoint and frustrate
you. We encourage you to be realistic about what you can afford, so your
payments don’t stress you out.
It is our goal to help you eventually qualify for a mortgage and refinance the house,
pay us off and put you on the deed. Remember, you do NOT have to qualify for a
mortgage now.
We work with a very good, very reputable, very understanding mortgage
brokerage... they're "good people" and we’d like you to talk to them. Now, don’t
misunderstand... we don’t expect you to be able to qualify for a mortgage right
now... after all, that is probably why you tracked me down and are listening to
what I have to say.
What we want to do, is find out how soon you will be able to qualify... for some
people, it may only be a few months... for others it may be a year or two years or
five. It doesn’t matter to us how long it takes, but we don’t want to put you into a
program that doesn’t give you enough time to get on track financially so you can
get a loan when the time for that finally comes.
Our mortgage broker is excited about doing your pre-qualification for a mortgage
because they know that they have a good chance of getting your business down the
road when you are finally able to take out a loan. They are not going to be nasty to
you like so many other mortgage brokers, just because they can’t do a loan for you
right now... they’re like us... in it for the long term.
So that’s the first thing we are going to ask you to do... it’s a quick phone
conversation that takes maybe 20 minutes... you don’t even have to go meet with
them... and they keep everything 100% confidential.
And by the way, there is nothing that we haven’t seen before... you’re not going to
shock us, no matter how bad your current situation. Remember, there were over
one million bankruptcies in the United State last year alone... and a lot more people
that have bad credit. Our mortgage broker will just ask you a few questions about
your income and your job (or lack thereof), they’ll pull your credit report to see if
there are any surprises, and then, they’ll be able to tell us exactly how long you are
going to need before you can get a bank loan.
Just a side note... and this is for maybe 10% of you out there. Sometimes, we
discover that you qualify for a home loan right now... you may have thought that
you had bad credit, but it turns out after we look at your credit report that the bad
things on your credit that you thought were so bad, didn’t matter as much as you
thought.
If this happens, it’s very cool because now your options open up... you can buy
virtually any home on the market that is within your price range. Of course, we
would still be happy to sell you one of our homes, but we also want to give you the
opportunity to see what else is available out there.
What we will do is connect you up with a real estate agent... someone who works
with buyers as their main job... someone who isn’t pushy, will take the time you
need to help you find a property and will hold-your-hand through the process. We
look very hard for good agents to connect you with... real pros. This agent will
either meet with you in person and sit in front of a computer with you and pull you
up listings or email you or they will snail mail you the listings. Whichever you
prefer.
But remember... that’s only going to be for about 10% of you who are reading this
page. What we REALLY do is work with the other 90% of you... that’s our
expertise.
After you talk to our Mortgage Broker, we will send you an official "Buyer
Registration And Qualification" email. You are now officially registered as one of
our potential buyers... and remember... all this is FREE and there is absolutely no
obligation.
Now comes the fun stuff...
First... we want to sell you our properties. Every time we get a new property in the
area you are looking, we’ll send you an email.
But here’s the rub... we have a lot of people like you who are actively looking for a
home... as of last count, it was 183... and we get more every day. So when we get
a new home for sale, those homes move pretty quickly.
The problem for us was... how can we be fair about this... and we thought about it
for a long time. Who should we notify about our new properties first? Should first
notice go to the people who are on our list the longest, the ones who are ready to
buy "right now," the ones we think will qualify in the shortest period of time... on
and on we went with this and we finally came up with what I think is a pretty fair
solution.
We just send the email to everyone at the same time and then it’s "first come, first
serve." Nothing else matters. First family who wants it, gets it.
Now you may not feel comfortable acting quickly in the beginning and we sure
aren’t going to push you. We let you tell us when you’re ready to go. What
happens most of the time is, at first, when folks become "Registered Buyers" they
take their time, they look at the properties we have for sale, they let a few pass by
them because they weren’t exactly what they were looking for or they want to get
comfortable with the process.
But then... after a while, our "Registered Buyers" start getting comfortable. They
see what is available for the money they can afford, they get to know the different
neighborhoods... they get comfortable with us and realize that we are for real and
that we do what we say we do and then... that is when they feel comfortable about
making an offer on a house on very short notice. We won’t push you... only you
know if the house is right for you. If it’s not, just wait... you may not get that one,
but we are always getting new property. We don’t want you to be a hasty buyer...
only you know your comfort zone.
So... as soon as you get your official "Buyer Registration And Qualification" email,
we will start sending you properties to look at. Sometimes we may only have one
or two a week... other times, we will have 15 or 20 a week. It all depends on how
many houses we bought.
So... we’ll email you the address of the property and a brief description of it. If it
looks interesting to you at all, we encourage you to go see it immediately. Drive
by... we find that 75% of the time, you can tell if a house is for you by looking at
the exterior and the yard and the neighborhood... or maybe it’s more accurate to
say that you can tell that it’s NOT for you, by looking at the outside.
If it looks interesting to you, then it’s time to take action and call us. One of our
people will schedule a time that is convenient for you both and show you the
property. They will get you inside so you can look around at your leisure... check
out the condition and get a feel for the size and the layout.
Then, just sit down on the couch or the floor and soak it in and decide if this house
feels like home. If it does... if it pushes your buttons... and you’ll know when it
does... something magic happens when you find a house that you know is going to
be YOUR home. When you decide, then it’s time to take the next step.
Before I go any further, let me ask you for a favor in advance. If you drive to the
house without one of our representatives, please do NOT knock on the door.
Someone may be living in the house... it may be the previous owner who hasn’t
moved out yet, it may be a tenant who is entitled to their privacy. Please, I ask
again, do not disturb the tenant. It just creates lots of problems for us because we
have so many people looking at these properties... it’s not fair to those folks if
people are knocking on their door all day.
Okay... let’s move to the next step. It’s time to fill out the paper work. When you
meet with our representative to view the property, they will bring all of the
necessary paperwork. When you say, "We want it!"...our representative will fill it
out and explain it to you.
It explains the move-in date, the price, the terms, the monthly payment, the length
of the option and it lays out who is responsible for what, in the agreement and
what happens if one of us defaults on the agreement. One of the valuable things we
do is treat you like the owner as soon as you move in. We pretty much trust you to
take care of the property like it was yours... after all, you are buying it... you just
haven’t got the deed yet. It is in our best interest to see you succeed in the
purchase of this home and that, by the way, is how we make the most money. It’s
also a lot of fun to have happy campers around.
Now... If you don’t understand the paperwork, please feel free to take it to your
attorney before you sign it. We will NOT pressure you to buy. We want you to be
100% comfortable with your decision. This is a legally binding agreement and you
only want to sign it if you are fully and completely aware of what you are agreeing
to.
Our representative has the authority to okay you as the new buyer of the home,
but the only way the agreement is sealed is when you transfer the funds for the
"Lease Option Fee" and the first month’s payment. We only accept certified funds
to activate the purchase agreement... for example: a wire transfer, a cashiers check
or a certified check... we can not take cash.
The reason we do this is because we do not want to tie up the property in an
agreement with someone who ends up not being able to come up with the money
or who needs more time to make a decision. We may have others waiting in line
for a chance at that property and it’s not fair to them if we let someone tie up a
property without being truly serious or capable of closing. As I mentioned before, it
really is "first come, first served." With that said, you might want to drive to your
bank with our representative, right then and there when you sign the agreements
and have a cashiers check drawn up to "secure" the property for you and culminate
the deal.
With all that said about "Securing" the property... just remember, that we don’t
want you to feel pressured to make a decision before you are ready... we will
always get more properties next week if you aren’t 100% sure of this one.
Well that’s it. I hope I’ve answered all of your questions. If not, feel free to email
us. The only thing you need to do to get started is just scroll down the page and fill
out the online form. It asks a few basic questions, gets your contact information
and helps us get you on the right path. Make sure to give us your primary email
address. We have had a lot of problem with free accounts like hotmail and yahoo
and we’ve also had problems getting email through to AOL addresses. If that’s all
you’ve got, that’s okay, but we want to make sure you get the house listings when
we send them out.
Hopefully the things you’ve learned from this program has convinced you that
what we offer is real, that we are real people with a desire to help you achieve your
goals. I tell all of the people who work with me that, as a company, we are here to
solve problems. "The more people we help, the more money we make." Yes, we
are in it for the money... this isn’t a charity, but it’s funny how the more you give,
the more you get. It’s Karma and the Golden Rule all rolled up together. We will
do our best to help you find your dream home... but now it’s your turn... it’s time
for you to take action.
Just scroll down the web page and fill out the "Buyer Questionnaire." It will only
take 5 minutes... 5 minutes that can change your life. As soon as you do, the
wheels start turning and our little machine goes into action for you exactly like I
laid it out. Remember, this "Buyer Registration" is 100% free. You are not
obligated to buy our properties in any way... as a matter of fact we don’t want you
to buy our properties if they aren’t right for you.
Thank you for reading this (rather long) web page. Your dream of home ownership
can finally be realize if you just take action and get started now by filling out the
form below.
Whatever you decide, I wish you the very best of all good things.
Best Wishes,
Ken Tyler
"Rent-To-Own" Homes
Homes by e-mail.
(Your privacy is respected.)
Copyright 2006
