Smooth Selling Program

This is a program of owner financing that allows you to achieve homeownership.

Many years ago, I was in a situation that required my family to move, but I could not get financed for a home loan. The banks always had an excuse as to why we were denied: poor credit, low income, not enough money to put down, etc. My credit wasn’t the best and I only had $4000-$5000 as a down payment on a property. After searching for quite some time, we found a property we not only liked, but the owner was willing to owner-finance for us with better terms than any bank had offered. This allowed us to live in the house while we got our credit score up and our finances in order to buy the house with a conventional loan a few years later.

After the 2008 housing bust, there were a lot of honest, hard working people finding themselves in the same situation – families trying to get back on their feet, only to find themselves unable to get qualified for a loan with the new bank regulations. Most banks right now are requiring twenty percent (20%) down plus the cost of an escrow account. For a $100,000 house, that equals $20,000-$30,000 at closing. Most people don’t have that kind of money.

I developed the “Smooth Selling Program” to fill a void in the market that allows good, hardworking people like yourself to realize homeownership with terms that are easier to qualify for. If you are saving for a house and you have had the same job for two years or more, then you may qualify for this program. Fill out the information below so we can get you qualified right away.