When banks say, “No”, we say, “YES!”

Listen… we don’t expect perfect credit.  We understand that good people have bad things happen to them.  We are mainly concerned with your income and whether you can make the payments and maintain the home. 

Don’t let your bad credit scare you. We can help you fix that.  If you are committed to rebuilding your credit, we can hook you up with a credit repair company so you can finance the home when it comes time to buy or sell.

Please review the following criteria before submitting an application:

1. Your gross monthly income needs be at least 3-4 times the monthly payment
2. You must have money for a down payment.  It varies by house, but the minimum you will usually need is around 5%.
3. You must be current on all of your bills (phone, car, loans, credit cards, utilities, cable TV, etc)
4. You need to be fully discharged from any bankruptcy, and the hardship that caused it must be over.
5. If you have had a foreclosure, it must be fully resolved (house not in your name).
6. You can’t have had any evictions in the last 3 years.
7. You must have good references from previous landlords & current employers.
8. You cannot be involved in a lawsuit as a “Plaintiff”, other than divorce, child custody, or auto accident
9. You can’t have any prior criminal convictions of a violent or drug-related felony, or sex offender
10. You cannot owe money for child support or alimony

Submit Your Application