Rent to Own – Toronto Home Buying Service Offers You Lease Purchase and Owner Financing

Let Us Help You Find A New Home

We’re not realtors selling somebody else’s home. We’re not bankers and we are not loan  brokers on a commission to find you a loan. We are the owners of a number of great homes in the Greater Toronto Area which are available for purchase.

Because we own these homes, we are flexible to consider financing all or part of the purchase ourselves. We can set aside the usual bank rules around proof of income, credit, debt ratio and even down payments to creatively make a deal to fit your needs.

If you are truly interested in buying your own home, then we can offer you several options. If we have a property that you like and you have something that we can work with, you can be in a home in less than 30 days.

If you’re in a position where you have very bad credit and no money – sorry, we probably can’t help you. On the other hand, if you have a good credit history but little or no money – or if you have some money but have lost your credit, then the chances are good that we can help you buy a home now. Contact us and let us take a look at all the facts before you decide that you can’t qualify.

Remember, we own the homes. This means we can do whatever we both agree on to make things work out. You can’t imagine how many folks are now in a home of their own because they were ready to let us use our experience and connections to make good things happen. Keep reading to see some of our most frequently asked questions.

You Have Damaged Credit – Can You Still Buy A Home?

Absolutely! You’ll be happy to know that you can buy a home with damaged credit. In fact, it’s very commonplace. To be able to do this often requires a flexible seller who is willing to help finance part of your purchase price. By working with us, you’ll see that there’s many lenders specializing in financing homes for families and couples with credit issues. To manage their risk, they may simply reduce the amount they offer for a loan. This means the buyer will have to provide a down payment or the seller must be willing to finance the difference on a second mortgage. Getting you a loan is generally not the issue – finding a flexible seller who doesn’t need all their cash immediately may be more challenging.

Is Your Debt Ratio Too High? Just How Much House Can You Afford?

You may be surprised to find out just how much of a home you can afford. Generally accepted standards say that the new house payment added to all your other monthly payments, shouldn’t exceed about 40% of your gross (that’s before income tax) for you and your partner. Bear in mind, that this does not include items like insurance, clothing, food, utilities, entertainment, etc. Add only those items with fixed payments (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 Can’t Easily Verify Your Income, What Are the Alternatives?

If you feel home buying is not an option because you can’t confirm your income, think again. Some of our happy clients felt the same way before contacting us, but they found themselves in the home of their dreams within 30 days. There are several little known ways to verify income and many loan programs that are available don’t require it. In reality, income verification is one of the easier problems to fix in the home buying process.

Can You Really Get Financed
If You Have Nothing To Put Down ?

You’ll be pleased to know that we’ve helped other families buy the home of their dreams with little or no money down. Truthfully, if you have no money and very bad credit, there’s nothing we can do for you. However, if your credit is reasonably good, plus you have provable income, we have several programs available for you right now. These programs are brand new, not widely known and are designed to help committed people buy a home with little or no money.

Want To Know More About Our Rent to Own or Lease Option Program?

Tired of making those 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 can seem to be an impossible dream to many. Putting aside enough money for a down payment while paying rent, or trying to secure a mortgage with a low paying job or poor credit 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! With our unique “Rent to Own” program you can realize your dreams. The “Rent to Own” program also known as a ”Lease Option”  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. Through this program you can be living in your home of the future and you’re also building equity, improving your credit, and putting you and your family 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.

Do You Have a Downpayment, But Want To Get Owner Financing?

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 have several homes available and since we own them, 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 people from getting bank financing. However, this may require a 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, 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 didn’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 the property we currently have for sale.

Remember, regardless of whatever kept your from buying a home in the past, don’t let it stop you now! You’re talking to the owner direct, not a realtor. We’re free work it out between ourselves without banks dictating the rules.

View Our Current Properties and Join Our VIP Buyer’s List!

To get started now… Click here to view our list of available properties. We keep a VIP buyer list of people like you who are serious about owning their own home on file at all times, so if you don’t find something you like in our list of available property, be sure to join our buyer’s list. When a new property becomes available, we notify the people on our VIP list first. They get a shot at them before anyone else even knows about them. Sometimes we don’t even have a chance to advertise them on our web site. So, even if you don’t like one of our current homes, make sure you join our VIP Buyer’s List so you can be notified first when new property listing become available.