Life can present many challenges, but that shouldn’t deter you from achieving your dream of homeownership. We understand that personal situations vary, and we are here to assist those who have experienced:

• Limited credit or credit issues
• Collections or judgments
• Recent short sale or foreclosure
• Recent bankruptcy
• Mortgage late payments
• Student loan debt
• Tax liens
• High debt-to-income ratio
• Difficulty sourcing income, assets, or deposits
• The need for a quick closing date
• A new job or lack of a 2-year work history
• Recent divorce
• Self-employment or 1099 income with no reported income on paper
• Recent arrival in the United States
• The need for Islamic financing
• Has a down payment but was declined by traditional mortgage lenders
• Frustration with submitting extensive documentation to traditional lenders

Whatever the reason, everyone deserves a second chance. Together, we can help you achieve your goal of homeownership.

• Easier Qualification:
  • Buyers with limited or poor credit history may find it easier to qualify for a Contract for Deed / Land Contract compared to traditional mortgages.
  • Self-employed individuals or those with irregular income streams can benefit from more flexible qualification criteria.
• Faster Closing Process:
  • The process often involves fewer bureaucratic hurdles, allowing for a quicker closing than conventional financing methods.
  • Reduced paperwork and fewer third-party approvals speed up the transaction.
• Flexible Terms:
  • Buyers and sellers can negotiate terms that suit their unique circumstances, including down payment, interest rates, and payment schedules.
  • This flexibility can result in more favorable conditions for both parties.
• Lower Closing Costs:
  • Typically, closing costs are lower than those associated with traditional mortgages.
  • Savings on appraisal fees, underwriting fees, and other associated costs can be substantial.
• Immediate Property Use:
  • Buyers gain equitable title and can occupy and use the property while making payments.
  • This immediate possession allows for a smoother transition into homeownership.
• Potential for Custom Solutions:
  • Customized contracts can be created to address specific needs, such as lease-purchase options or balloon payments.
  • Tailored solutions provide more versatility in structuring the agreement.
• Investment Opportunity for Sellers:
  • Sellers can benefit from receiving regular payments and potential interest income.
  • Retaining legal title until the contract is paid in full can provide security for the seller.
• Retain Property Control:
  • Sellers maintain control over the property until all terms are met, reducing the risk of buyer default.
  • In case of default, the process of reclaiming the property can be simpler and quicker than foreclosure.
• Benefit in Appreciating Markets:
  • Buyers can lock in the purchase price of the property, potentially benefiting from future market appreciation.
  • This can be particularly advantageous in rapidly appreciating real estate markets.
• Alternative to Traditional Financing:
  • Provides an option for buyers unable or unwilling to engage with traditional lenders.
  • Useful for unique properties that may not meet conventional lending criteria.