Why Rent When You Can Lease To Own
Our one of a kind Lease with Option to Buy program could help you purchase a home even when you thought you could not. We are committed to providing homes in family friendly neighborhoods and providing quality renovation on these homes or offering fix up opportunities for those who seek to build sweat equity in their home. We are also committed to helping you become a homeowner by providing generous purchase credits on a monthly basis and even assisting with the initial down payment. You could have 10-12% "equity" in your home in the first year with our Lease/Option program or even more if you are seeking a discounted home that may need some fix up.
SDK Financial has many flexible programs available to put you in one of our homes. We take the time to listen to your story when qualifying you for our homes. We do not use rigid qualifying systems or point scoring systems; we look at the personal situation of each applicant and look for a way to say yes, not no!
Homes available:
- For Sale
- For Lease with Option to Buy (Rent to own)
- With Seller Financing
Our goal and desire is to help individuals and families toward purchasing and owning a home. We offer our unique Lease with Option to Buy program to help families escape the rent trap. Some are remodeled, and some may need some fix-up for those who want to buy for less and build sweat equity.
We also buy homes! We can help sellers with a quick and fair sale of their home. Put our three-plus decades of experience to work for you. If you are a seller, click "Sell A Home" above for a free quote or to request a consultation.
Keep reading to see some of our most frequently asked questions.
Of course! You'll be glad to learn that you actually can buy a home even if your current credit is damaged. In fact, it's quite common for us to work with Buyers who have damaged credit. To do so simply requires a flexible seller who is willing to help finance part of your purchase price or offer a purchase program that gives you significant time to build your credit up. Over many years, you can often fix just about any problems with your credit in order to qualify for a traditional loan on a much later date.
You may be surprised to learn how much of a home you can afford. Generally accepted standards say that your new house payment added to all your other monthly payments, should not exceed about 40% of your gross (that's before income tax) for you and your spouse. Keep in mind, that does not include items like insurance, clothing, food, utilities, entertainment, etc. You should add only those items with fixed payments such as cars, furniture, credit cards, mortgage, student loans, etc.. If an item doesn't show on your credit report, it probably won't count against you as a debt.
If you feel you can't buy a home, because you can't verify your income, think again. Some of our happy customers felt the same way before contacting us, but they found himself in the home of their dreams within 30 days. There are several little known ways to verify income and many of our purchase programs don't require it immediately. However, if you are looking to get a traditional loan in the future, there are specific ways you need to document your income and we can get you on track immediately to fix it.
This usually applies to first time homebuyers or applicants with excellent credit. If this is you, it may surprise you to know we've helped other folks buy a home of their dreams with little or no money down. Conventional wisdom says it can't be done but conventional wisdom is almost always wrong. Frankly if you have no money and very bad credit, there's nothing we can do for you. However if your credit is good, and you have provable income, there are still programs available for you now. These programs are designed to help folks with great credit buy a home with little or no money.
Are you tired of making monthly rental payments? Think of all the money you've wasted in rent over the last few years. What do you have to show for it? Homeownership may seem to many to be an impossible dream. Saving enough money for a down payment while paying rent or trying to secure a mortgage with a low paying job or bad credit history, are only a few of the obstacles that make buying a home seem so difficult. Wouldn't it be great if some of these monthly payments could have gone toward the actual purchase price of your home?
Now they can! Many of our homes offer a Lease Option program which allows you to lease and occupy a home while at the same time building equity towards the sale price that we set the day you sign the Lease Option agreement. This way, you enjoy the pricing and value of ownership today even though you won't finally purchase the home until later. Plus, you also know that the work you do in the home will not be wasted when the lease is over.
Best of all, through this program, while you're living in your home of the future, you're also building equity, improving your credit, and putting yourself in a position where home ownership is not only possible, but easy.
This unique program truly makes homeownership a possibility for anyone with something to work with. To see the homes that are currently available click here.
If you're looking to buy a home and feel that owner financing is your best option, you've come to the right place. We often have several homes available that we own and so we are free to work out special financing arrangements to suit your needs. We can provide owner financing for all or part of the purchase price, regardless of your credit, debt ratio, income verification, and other factors that prevent deserving folks from getting bank financing. However, this will require a significant down payment to make it possible.
Simply put, the more you have to work with, the easier it will be to get you in the home quickly, sometimes in just a couple of days and under great terms. If you have a good down payment, the best thing to do is contact us now or call us to discuss your needs. To get a list of homes to tour, (many of which have possible owner financing) click here, and even if we don't have one available that you like, we'll add your name to our VIP list and we'll find the one as soon as possible.
Don't procrastinate because beautiful homes like these, which you can buy with owner financing are rare indeed. If we couldn't own them, we couldn't offer such easy terms and obviously the demand is bigger than the supply. If you're serious about buying now, your best option is to start now. It costs nothing and there's no obligation. Just click here to look at all the property we currently have and learn what programs we may available for you.
Remember, regardless of whatever kept you from buying a home in the past, don't let it stop you now! You're able to talk with someone with an ownership interest in these homes, not a Realtor. We're free to work it out between ourselves without banks dictating the rules.
So, if you have a down payment and want a home of your own, click here.
The choices are simple:
Do nothing, and continue to make your landlord rich.
OR
Click here to look at our available properties!
Continue to be stuck in a home you want to get out of
OR
Get the ball rolling! View our available homes that are waiting for you!
Let Us Help You Become A Home Owner!
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