i-Rent-to-Own Blog

Is Your Credit Bad - We Can Help!

2008-12-22T10:33:00.000-08:00

Beautiful 3-bedroom home in Decatur. Available now with owner financing. Don't let bad credit keep you from owning a home today!

Brentwood Rd, Decatur, GA 30032

Other home are available. Get qualified for our special owner finance program today:

Click here to download application

Know and Improve Your Credit Score

2008-08-31T07:18:00.000-07:00

Real estate is a buyer's market right now because of the mortgage crisis. But buying a home isn't as easy as you'd think. That's because banks aren't willing to risk even more of their assets by extending mortgage loans to borrowers with bad credit. Sometimes fair credit isn't enough to secure a loan, either. So thousands of homes are wasting away on the market, waiting for buyers with good credit to come snap them up.

Don't miss out on your opportunity to be a homeowner. If you want to purchase a home at today's low prices, you've got to know your credit score. And if it's low, you should take steps to improve it.

What are creditors looking for? The magical number is 680, though some lenders require scores no lower than 720 for mortgage loans. There are state-run programs that help with home purchases for individuals with truly bad credit scores. But if your own score falls somewhere in between good and bad, you're going to have to do some work to whip it into shape.

You can see your credit score by contacting Experian, TranUnion, and Equifax credit bureaus. You're entitled to one free credit report per year, which you can request at AnnualCreditReport.Com. Also, CreditReport.Com will supply a free copy of your credit score and enroll you in a 30 day free trial for their credit monitoring service. When you subscribe to a credit monitoring program, you receive a notification any time a change occurs on your credit report. These programs can be found online for as little as $11.95 per month – a real bargain if you’re serious about improving your credit score.

You might be surprised by what you find on your credit report. Your credit score could be affected by items that don't even belong to you! To dispute a negative item, send a letter by certified mail with return receipt requested to both the credit bureau and the creditor who reported the negative item. You can find a sample letter at the FTC's web site. Creditors will have thirty days to prove that the item is valid. If it’s not, the credit bureau is obligated to remove the item and send you a copy of the corrected report. Once negative items are dropped, your credit score will improve.

What about negative items that you actually earned? Those can be disputed, too. Many companies won’t bother fighting over old accounts that have gone to collection agencies. Just be aware that credit bureaus aren’t required to investigate disputes that they deem to be frivolous. The sure-fire way to get valid negative items off of your credit report is simply to pay your outstanding debts.

Fantastic View Home - Lease/Option

2008-07-19T16:15:00.000-07:00

This incredible view home is located in Agoura Hills, nestled among homes in the $1.5M to $2.5M and up!

The home has been remodelled with luxurious elegance in all details and privacy in multiple living and sleeping areas. Only the best materials have been used to fulfill highest expectations.

It was recently appraised at $1.3M, and is now available without bank qualifying.
Even the price is below the appraisal - with over $150,000 in bona-fide equity.

Perfect move-in condition.

Don't miss this great opportunity to get into your dream executive view home now!

4 bedrooms, 3 baths, over 3000 square feet
almost 1 acre lot with gorgeous views.

Call now: 626-232-6773

or watch the movie right here (click!)

Townhome For Rent or Rent-to-Own

2008-05-31T23:44:00.000-07:00

9025 Willis Ave #155

Panorama City, CA

3 bedrooms, 2.5 baths, 1650 sf; Available July 1, 2008

Terrific Rent-To-Own Properties in Fort Worth

2008-04-24T09:37:00.001-07:00

5 New terrific properties in the West Fort Worth area available for Rent-To-Own

Unique rent-to-own program gives tenant/buyers three cutting edge advantages:

Accumulate equity and down payment money while you lease our property
Lock in your purchase price for up to 36 months in the future (extensions beyond 36-months lease are available to qualified tenant/buyers)
Take a tax write-off on your monthly payment just like a home owner (this saves the average tax payer up to one third of your monthly payment in taxes)

Call now to request your free report and choose your home:

888-292-5598 (or email tom.b@i-rent-to-own.net)

Reese Ln, Azle, TX

3 bedroom, 3 bath ranch home on 1 acre

As low as $1,350/mo (possible tax savings of $445.50/mo!)
Rent Credit: $300.00
Compare to normal rent payment of only $604.50

Warden, Benbrook, TX
3 bedroom, 2 bath home on a large lot
As low as $1,050/mo (possible tax savings of $346.50/mo!)
Rent Credit: $200.00
Compare to normal rent payment of only $503.50

Bluestone Rd, Fort Worth, TX
3 bedroom, 2 bath home on a large lot
Community pool access
As low as $1,250/mo (possible tax savings of $412.50/mo!)
Rent Credit: $250.00
Compare to normal rent payment of only $587.50

Birchwood Ln, Fort Worth, TX
3 bedroom, 2 bath home on a large lot
As low as $1,250/mo (possible tax savings of $412.50/mo!)
Rent Credit: $250.00
Compare to normal rent payment of only $587.50

Lipan Trl, Fort Worth, TX
4 bedroom, 3 bath home on a large lot
Community pool access
As low as $1,550/mo (possible tax savings of $511.50/mo!)
Rent Credit: $400.00
Compare to normal rent payment of only $638.50

Luxury Lease/Option in Phoenix Area

2008-02-08T15:22:00.000-08:00

This is by far the best value for a Mirador floor plan in Aviano.

EXPEDITION WAY, Phoenix, AZ 85050 (click to map)
4 bedrooms, 4.5 baths
5,163 sf of living space
11,000 sf lot
Built in 2005 (first owner, immaculate)

It is a beautiful semi-custom home with the largest floor plan around: almost 5,200 sf!

This luxury home shows like a model... See for yourself in these pictures:

Stunning two story with spectacular entry, dual curved staircases.

Travertine & carpet, neutral paint, custom draperies, plantation shutters & wooden blinds.

Gourmet kitchen, granite countertops & premium appliances.

Spacious family room with cozy fireplace & surround sound. Downstairs office/den with connecting guest suite.

Upstairs master with luxurious bath. Premium n/s lot backs to greenbelt.

Finished back yard w/built-in gas grill, water feature & gas firepit.

Now, let's do the numbers, and check out your benefits when you get into this stunning home on a Lease/Option, with NO BANK QUALIFYING!

First off, in this current lending environment it's getting harder and harder to qualify for a decent loan. Banks and lenders are asking at least 5% down, in many areas even 10% or more.

And even if you could get a loan, you have to pay closing costs on the loan (so now you're looking at 5% or 10% down PLUS closing costs of easy another 3%), and you're probably looking at a payment of $8,000 or more for this puppy.

So, here is what we can do for you on this home:

1. Monthly Payment: $4,700 (includes taxes and insurance)

2. Upfront Payment: $47,000 (includes closing costs)

3. Equity: $203,000 in equity is YOURS to keep when you exercise your option...

Friends, it doesn't get any better - not just in this market, but in NO MARKET on earth!

Call my office TODAY for more details and to lock this wonderful Lease/Option home in for you.

626-921-5882

Palmdale - Owner Financing with Pool!

2007-11-01T09:23:00.000-07:00

Terrific home with 4 bedrooms and almost 2000 square feet of living area - on a huge lot (9000 sf) WITH sparkling pool!

What more could you want?

All this is available without bank qualifying.

Our owner financing/Rent-to-Own program lets you save money on price AND monthly payments.

The house is located in a quite street in East Palmdale, on Roosevelt Dr.

Call or email now for details:

626-921-5882
tom.b@Ca-HomeDeals.com

Rent-To-Own with Equity - Hesperia

2007-10-23T16:51:00.000-07:00

This is a fantastic rent-to-own home with land in the quiet community of Hesperia!

The house is a very clean 3 bedroom, 2 bath ranch-style home with 1300 square feet of living space.

Beautiful ranch-style home in the heart of Hesperia. Enjoy desert living and make this home your own while you rent it!

This is a very rare opportunity to get into your own home without banks or your own loan right now.

All you need is a very reasonable down payment, and you are instantly $40,000 richer!

How hard would it be for you to come up with ony $5,000 to lock in this much equity? - And with our unique rent-credit feature, you save thousands of Dollars while you lease the home instead of "owning" it.

Let's face it: Who owns your neighbor's house who bought it with "no-money down" anyway? That's right - the BANK does!

Here, look at these pictures:

Now, let's do the numbers:

Just appraised at $275,000

Your price: $235,000 (that's $40,000 in bona fide equity to boot!)

Your monthly payment $2,000 - with $500 going towards the purchase price!

(This generous rent-credit feature makes this deal better than any purchase with your own new loan right now! It beats ANY available interest rate - no matter how good your credit is!!!)

What does it take to get in? Only $5,000 (or highest bid!)

E-mail me NOW to lock in this nice home (please include your phone number), and make sure you sign up for updates to this blog!

Great Rent-to-Own Property in Victorville

2007-04-16T18:10:00.000-07:00

You can rent-to-own this beautiful 2-story home with 4 bedrooms and 3 baths AND save tons of money that you're waisting on rent right now!

The home has almost 2400 square feet of living space and is on a nicely groomed lot. It is as good as new, built in 2005. You're buying the home from the original owner!

Flexible payment options are available, starting at $1,495 with up to 50% rent-credit going toward your mortgage! - No bank qualifying! Some down payment required.

Click below!