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Special Programs


We have several exciting programs - Let us help you choose the one that is right for you! 

H.O.P.E. Program
(Home Ownership Purchasing Education)

A remarkable, exciting program, designed to assist you in becoming a homeowner, regardless of financial status or past credit problems! 

  • Purchase program to help you become a homeowner 
  • Out of pocket expense of only $800.00 
  • Helps you purchase a new or existing home with no down payment or closing costs 
  • How to accelerate your mortgage! Own your home within 13 years or less, without increasing your monthly payment! 
Qualifications  
  • Continuous employment in the same line of work for at least one year 
  • No major credit problems in the last two years (No liens, repossessions, judgments, collections). 
  • Past bankruptcy must be discharged for at least two years. 

Lease-Purchase Program

For those whose job or credit situation does not allow them to immediately qualify for the H.O.P.E. Program. 

  • We either have, or can find just what your looking for! 
  • After two years, we will transfer the home to you, and handle the transaction as a refinance, and help arrange permanent financing. 
  • As little as $1200 down (plus $300 Security deposit and first months rent). 
  • Generous rent credit 
Qualifications  
  • Continuous employment in the same line of work for at least one year 
  • Not currently in bankruptcy 
  • Debt ratio not to exceed 45% 

Bi-Weekly Mortgage Program

A bi-weekly mortgage is an innovative plan for people that desire to pay off their debt as soon as possible.

Instead of writing a check once a month, half of the monthly payment is debited electronically from the client's checking account every two weeks. Essentially, this payment schedule will generate a 13th payment during the course of a year for the client. This extra payment is applied directly to the principal of the loan.

  • Build equity 200-300% faster
  • Pay off the mortgage 8-10 years sooner.
  • Save $50,000-$80,000

Mortgage Protection Plan

With this plan, the interests of your family will be taken care of if something were to happen to you.

  • In the event of death, your mortgage would be paid off.
  • In case of disablement, this plan would assist in the mortgage expenses.

 Contact us today! - Let's get started on your dream. 

 

 

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