For Credit Challenged Buyers to Qualify Easily

How to Buy a Home Easily: Most people do not have perfect credit. We understand that even hard working people with good character can experience some credit challenges when trying to get a traditional mortgage. At Integrity Home Buying, LLC, we make it EASY to qualify even with imperfect credit. We deal primarily with individuals who have had problems obtaining a mortgage from traditional lending sources. Our programs have helped hundreds to buy the home of their dreams, even with some credit problems or the self-employed.

We are not Realtors. We are not a mortgage company although we have connections with them. We are private investors and that makes us a great deal more flexible. We look at your individual situation. Such things as job stability of 12 months or more and motivation evidenced by your down payment, count heavily with us. We know that most homebuyers with these attributes are good risks over the long term. We especially help the self-employed. If you have 5 to 10 % cash down payment and closing costs and are employed we can probably put you into the home of your choice.

We also know that buying a home can be a frustrating experience so we try to make it EASY for you. There is a pre-qualification process, but it is done much easier than traditional mortgage requirements. If you are not in bankruptcy proceedings currently or a recent foreclosure we can probably work with you with 5 to 10 % cash down payment and closing costs.

Here is how it works: You select the home that you want. We buy it for all CASH and then OWNER FINANCE it back to you. We provide loans at a fixed interest rate on 30 year terms. There is never a prepayment penalty. No up front fees. It's that simple!

For the home of your choice, just follow these 5 easy steps:

1. To begin the process, submit the FORM, or just call us at 804-741-8181 or Email.
   
   
2. Once we agree to work together to finance the home of your choice, there is a pre-qualification that must be filled out and signed. However, it is only one simple page. It authorizes the credit report our investors require. Although we accept much lower credit scores than traditional lenders, this pre-qualification helps us to structure payments according to your budget, tells us what paperwork will later be required (for example, a higher down payment may not need to verify income), and lets us know you are serious about this. Upon receiving your submitted FORM, a local private real estate investor will provide you with the pre-qualification for your authorization and answer any questions you might have.
   
   
3. After pre-qualification we can discuss your home buying preferences and move to the selection process. You are free to work with Realtors or For-Sale-By-Owners in selecting the home of your choice for us to make a cash offer on and then Owner Finance to you.
   
   
4. Once you have chosen the home you want, we will approach the owner and negotiate a cash price for the home. After arranging a small discount on the home, we then contact you and let you know we are ready to purchase the home and resale it to you with the financing that fits your payment budget.
   
   
5. We use Standard Real Estate Purchase Documents and will fully explain them to you but you are always free to take them to an attorney of your choice if you wish. You will be required to place an earnest money deposit and closing will usually be arranged within 30 days. We do all the closing arrangements with the Title company, guide you in getting the hazard (fire) insurance, and let you know when to bring the remainder of the down payment. This simple process has helped hundreds of families qualify for homes they otherwise could not get into.

Congratulations! After closing you are moving into your new home! Now all the benefits of home ownership are to be yours:

• The enjoyment of the home and neighborhood
• The build up of equity and resale value
• Tax advantages
• Pride of ownership
• Strengthening your credit for the future

Start today by submitting the FORM or just contact us for more information.