Just who can lead you through that maze? Creative Home Investments, Inc.! While we can't promise that we have just the home you're looking for, we can tell you we're constantly finding more homes and making them available. Nice homes in great neighborhoods... the kind you want.
Is This You?
Trying to move out of your current situation and into a desirable home can seem like you're swimming upstream. You keep trying to improve your financial profile and just when you think that you can make the move, something happens that forces you back into the same old situation.
Lenders don't seem to understand. They expect perfect credit, lots of money in the bank and then maybe, and I mean maybe they will consider whether to give you a loan.
So you put off buying a home and you rent. You become frustrated knowing that you're not helping your family. You want another bedroom, more space, a back yard, a 2-car garage, etc. Once you begin renting, you never seem to be able to save any extra money for the loan financing requirements. The banks won't let you use "borrowed" money for the down payment. And just when you think you've got enough for a down payment, the rent goes up... or you need a bigger apartment... or whatever. And then you're back at square one, living in the same cramped place with the same neighbors. Wondering if you'll ever have the kind of place you deserve.
You may be tired of the same old space. Sure your apartment seemed big when you moved in, but now you realize that you're living within inches of "nosey neighbors". Paper thin walls...You can't make too much noise, stay up late, work on your car, paint the walls, get newer appliances, etc. without someone making a complaint. Or without checking with the apartment manager.
If you feel crowded now, what's it going to be like next year, or later? Maybe you're tired of living with relatives. Maybe you need space for your growing family. What if the rent gets raised by 20%, what will you do then? Move out? Find another temporary space?
Financial advisors talk about planning for the future, but you're having trouble keeping up with the present.
You sure don't receive any tax breaks for paying rent!
Sure you've looked at the new homes. The builders promise a super financing deal, but you know that even if you qualify, you'll still have lots of expenses that all new homeowners face. Landscaping, custom wall paper, garage door opener, appliances, etc.
Maybe you could avoid those "new home expenses" by moving into a home that's a couple of years old.
If you could only find a complete house where you could live for 2 or 3 years while you improve your financial profile... then you could afford that bank financing.
A home that has all the extras included; a home where part of your payments goes towards the purchase.
Like we said, we're property investors. We buy and sell real estate as a personal investment, so we know the difficulties homebuyers' experience when they try to get home financing. That's why our program is successful.
You may still be in the "thinking about it" stage. Maybe you've tried talking with a lender... maybe you haven't decided you're ready to go that route yet.
While it can't hurt to talk with a lender now, do you have the financial profile suitable for a new loan? After all, we know that the lenders want only the cream of the crop? Right. I'm sure you heard the phrase, "banks only lend money to people who can prove that they don't need it!"
That's why we buy homes and makes them available to people just like you.
We've found a trend setting way to get you over the hump of home ownership. Here's how it works...
While you're building your financial profile, you'll be living in an attractive home. Not renting. You'll be leasing your home and part of your lease will build equity that can be used when you purchase the home.
We offer a proven way to beat the lenders' system of "get your money first and live in your home later".
Sometimes the reasons you can't get a home aren't so good at all... bankruptcy, divorce, job loss. We can deal with these issues.
Thinking about buying can quickly become wanting to buy... and it's amazing how fast "want to" can become "have to". Whatever the reason, it puts you in a pickle.
The Game Plan
What if we told you that we had a nearly new home, complete with all the extras that could be yours?
No sweat on the credit... we've got seller financing in place. No problem with the down payment; we can accept borrowed funds and our terms are flexible. No problem with the location; we offer homes in the nicest subdivisions. We can probably wrap up the whole thing within 48 hours. Would you perk up a little if that were the case?
We don't know how much you make, how much you can afford, or any of that. Those details can be handled when you fill out our Online Questionnare or Call (812) 773-2092. After getting your facts, we'll tell you what the lenders look for, and give you up to 36 months to meet those requirements. One thing is for sure: You'll meet most of the lender's equity and down payment requirements using our program.
What we do know... and what you should know, is...
If you contact us and give us the facts, we'll either tell you we can't help or help you find the home you deserve either from our current inventory or from ones that we're looking to buy.
We buy and sell property. You might say we're investors. For your situation, we'll probably offer several homes and payment plans. That's so you can choose the one that best suits your needs.
The homes we offer are in great condition. When you select one, you will immediately begin improving your financial profile. The same profile that will meet the lender's requirements for finding permanent financing when you're ready.
Each of our homes gets a thorough review. They are in move-in condition. If something needs fixing, we fix it before we make it available. If something major goes wrong during the first 90 days, it's covered under our lease agreement. No need to worry about financial "surprises".
We want to make you a home owner, and we'll show you how to do that while you're living in your next home.
You'll be living in a beautiful home in a great subdivision. Your lease payment will cover all taxes and real property insurance. If the taxes go up during the lease period, that's our problem. If real property insurance goes up, we pay the increase. You'll take care of the home just like it was yours, including making the improvements you want. Like add a deck or build a fence. You know those things that give you pride in your home. What's more, you'll exercise your option to buy the home when you're ready.
Look, like we said earlier, people lease homes for various reasons. Maybe it's a job change that requires a move. Maybe it's a company downsizing that creates the problem. It could be bankruptcy or divorce... or you could've won the lottery. Perhaps you're tired of the same old neighborhood... you need something bigger... marriage or birth. Whether you're moving across town or across the US, to a new home or to an apartment, you've got other things to concern you. We'll take care of your housing needs with a great home!
I'm not a cynical person... this is reality. Granted we don't know your particular reasons for needing a home, but we do know how to get you the kind of home you deserve as quickly, and as professionally as possible. We handle all the paperwork to lease you a home. In fact...
Here's the game plan to lease you a home that you can purchase...
Based on the location and kind of home you need, we'll suggest homes that we have available. We'll tell you the monthly payments, down payment, and how much equity you receive each month. We'll tell what your future income should be for typical financing. You'll be establishing your credit by making your payments. Then you can select the lender of your choice to apply for a permanent mortgage and buy the home. But you'll have from 24 to 36 months to meet with them.
Once you make the down payment, you'll begin building equity. Each month that you make your timely lease payment, your equity continues to build. You can buy the home anytime during the lease period...no need to wait until the end of the lease.
Please don't misunderstand or assume that we can correct your credit problems. Our program lets you live in a great home while you correct any credit problems or bruises. We've worked with all kinds of circumstances and have been thoroughly trained to create solutions after so-called "experts" have given up and quit.
Again, complete our online questionnaire and we'll tell you now how we can help!
Benefits to Buyers
Just in case you wanted to know why our program is so successful, we're including a summary of benefits.
These are a few of the benefits for home buyers who want their home now, but know that their financial profile will be much better in the near future. Creative Home Investments, Inc. lets these people make payments on a fine home and then when they have improved their equity, credit or financial profile, they can qualify for the type of mortgage that they want. This makes it much simpler for nearly 40% of the people who have trouble qualifying for Class A mortgages.
The "Lease to Own" Process
Not everyone wants to know all the details of how we work, but just in case you're interested, we'll tell you exactly what we do.
Usually we begin with your phone call to find out some preliminary information concerning the type of home you want, preferred location and financial information. Our interest in your financial profile is to assure that as best we can determine, you'll be able to purchase one of our homes by the end of the lease. (Remember we want you to buy the home).
Next, we'll give you the addresses of a couple of homes that meet your preferences. After you've looked at the homes and reviewed the area, we'll go over the specific terms of our lease and option to buy paperwork.
Based on your desired date of possession, we can frequently wrap up the entire process in less than 7 days. If you need longer and want us to hold the home for you, frequently we can accommodate that.
A word of caution... Because we make home buying so easy, our homes don't last long. If you select one of our homes, don't delay. Homes like ours don't last long!
We can be flexible on our date of possession. But we do follow the "first come first served" principle.
There's no way in a single report we could possibly answer every question and every need you may have ... Consider this an overview. If it strikes a nerve,... if you find you're in a position where you don't seem to be going anywhere, one where you think we could possibly help, call us today. Our phone number is printed at the end of the report.
If by chance we can't do business, that's OK. But we honestly believe you'll be pleasantly surprised when you call ... We specialize in solutions! By calling, you give us the chance to be your solution. We urge you to let us try.
What do we do now?
We know that this is a lot of information to digest at one time, but if you're still with us at this point, chances are you're interested in doing whatever it takes to GET YOU INTO YOUR NEXT HOME!.
If you want an alternative to the stale, conventional ways of buying a home, just complete our Online Questionnare or Call (812) 773-2092 Now! You have everything to gain and nothing to lose!
As we said before, if we can't do business, that's OK. We buy lots of homes and we get calls to lease them each day. We're always looking for homes, and would like to hear from you.
We specialize in finding ways to give you the pride of home ownership. We urge you to let us try. You have nothing to lose.
We don't know how many months you've been looking to buy a home (or thinking about buying) but every month you wait is costing you unnecessary expenses... eating up the precious income you work so hard to earn. A home is an asset... begin building your assets now. We take the hassle out of home buying. There's a real good chance that we can help... call us today! The phone call will give you more answers. Answers that you need. Don't procrastinate... contact us today!
Creative Home Investments, Inc.
Again, click here for our Online Questionnaire or Call (812) 773-2092 to get started now!