We want to design a solution that allows YOU to be able to own a home today, no matter what your situation.

You have three options:

1. Lease-Option: With a minimal initial payment, you can live in your new home for little more than you would otherwise pay in rent. You have a full year to transition to home ownership either by securing bank financing or working with us to create seller financing.
2. We will finance the home for you today if you have 10% to put towards the purchase of your home.
3. Buy your home today using bank financing.

No one wants to waste money on rent. Move into your new home today! We want to help you enjoy the benefits of home ownership!

There are several ways we can help you:

• We offer Lease/Option arrangements that allow you time to qualify for financing. A Lease/Option may be right for you if:
  • you need time to clean up your credit for traditional lenders,
  • you need to minimize monthly payments,
  • you want to save up for a larger down payment.

• We can construct high loan-to-value (LTV) financing that lets you enjoy the benefits of ownership with minimal up-front cost.

• We can structure financing to suit your needs, including trades, secondary notes, and non-traditional forms of collateral. If you want a home, just let us know your needs and we will do our best to assist you.

We are honest! We have a 100% track record with satisfied home buyers who have worked with us over the last 20 years. Our clients attest to our integrity, honesty and dependability.

Because of our good name and reputation for helping people and treating them fairly, there have been times when families have been waiting in line to buy from us.

We can work with you to find a home in the Colorado Springs vicinity. We are familiar with all areas. Let us know what your needs are and we will check our inventory of available homes and see if we have one that matches your needs. If we do, we can move quickly to get you in your new house. If we do not, we can use our knowledge of Colorado Springs and real estate to work quickly to find your "dream house." We will then work with you to create a transaction that again "matches your needs" whether it be an outright purchase, a lease-to-buy or arranging interim financing until you can arrange permanent financing.

Key Benefits:

• Flexible financing
• One-stop shopping
• Creative solutions to meet your needs
• Immaculate properties

Understanding a Lease-Option

What is it?

Under a Lease-Option, you agree to lease the property for one year, and any time within that year you have the option (i.e., you have the right, but not the obligation) to purchase the property for the agreed price. While you reside in the home, you pay monthly rent and maintain the property in good condition as if it is your own.

Why would I want to do this?

A Lease-Option is beneficial for people who need time to save for a down payment, clean up their credit, or take time to make a decision about purchasing the home.

What does it cost?

A Lease-Option requires an option payment of approximately 5% of the purchase price, which is fully applied to the purchase when you exercise your option. Be advised that this payment is not refundable!

What if I don't have the required option payment?

Our terms are flexible, so if you have at least half the required payment, you can make up the balance as increased monthly payments.

How much monthly rent will be applied to the purchase of the home?

Our leases are based on competitive market rents, so we do not apply any portion of monthly rent toward the purchase of the home. However, any amount you choose to pay each month over and above the monthly rent - up to $300 - will be credited at 133% toward the purchase of the home. (For example, if you pay $75 more than a regular monthly payment, we will credit you with an extra $25, so your complete credit toward purchase will be $100.)

Is the purchase price flexible?

Our homes are always priced competitively relative to other homes for sale and our prices are guaranteed for the full 12 months of the option contract. Because of the advantageous benefits you have under the Lease-Option program, our price is firm. However, the more money you have to put toward your option, the more flexible we can be.

What happens if I don't purchase the home before the lease runs out?

The Lease-Option agreement may be renewed with new terms for another year. Also, after a year of being in the Lease-Option agreement, you may be eligible for seller financing.

Understanding Seller Financing

What is it?

Buyers usually secure financing through traditional mortgage lenders, like banks and credit unions. Seller Financing is when the seller acts as the bank by agreeing to take payments on a monthly basis rather than in one lump sum; the Seller keeps a lien on the property until the loan is paid in full.

Why would I want to do this?

Seller Financing is beneficial for people who have difficulty qualifying with lending institutions or simply don't want to deal with banks for whatever reason. Also, our rules for qualifying are less rigorous than banks and we do all our own research and paperwork. This means you don't have to pay the extra fees and expenses that you would pay if you were to get a loan from a bank.

What does it cost?

While our interest rate is not as low as a bank may provide to a borrower with perfect credit, we do not charge up-front fees or points like banks do, and we do not charge for private mortgage insurance (PMI) like banks do. Our program does not contain any hidden costs or fees.

How much Seller Financing can I get?

If we enter directly into a seller financing arrangement with you, you must have at least 10% for a down payment, meaning we will finance up to 90% of the purchase. However, if your seller financing program begins after 12 months in our lease-option program, we will accept your previously-paid option payment as full down payment.

How can I qualify for Seller Financing?

While Seller Financing requirements are less rigorous than traditional lender requirements, we do require a credit report and financial information.