If you're interested in buying this home, please scroll up and click on the button that says "Apply To Buy This Home"

From there, it'll ask some basic questions about you, your down payment & income. There is NO CREDIT CHECK required in this initial process. One of our team members will call you to go over the house, and if you qualify, then we'll schedule a time to view the home. We believe in not wasting each other's time, so we will be very upfront and honest with you if you don't qualify for the home. We don't want to get anyone's hopes up or waste your time showing you a house you can't afford. Once you fill out the short application, we'll reach out & answer any and all other questions you may have.

The agreement will be structured with payments just like a traditional mortgage with a bank. However, the deed will stay in our name until the agreement is paid off either by completing the 10, 15, 20, or 30-year term or refinancing with a traditional bank. For all other intents and purposes, the home is yours. This includes the good and the bad. You can make improvements to the property and build equity in the home, but you are also responsible for repairs and maintenance.

You own it, all we care about is the payment being made. Feel free to make any kind of changes to the home that you like.

Down payment depends on income, but we require a reasonable down payment, usually 5-10%. The larger down payment made, the lower the interest rate and monthly payment will be.

We can do a 10, 15, 20 or 30-year agreement. There is no balloon, and no prepayment penalty. Interest rates vary based on market conditions, but you'll be made aware of your interest rate on the very first phone call, prior to even viewing the property.

As long as you have a reasonable down payment and income that shows you can afford the home, you will likely be approved. We do not care about credit score and have tenant-buyers with credit scores in the low-400s. We do check credit for a few reasons. 1) We provide credit counseling and repair services and need to know where we stand in order to provide that to you. 2) It protects us both to make sure there aren’t any monthly payments attached to your credit profile that we didn’t know about. We want to be sure that you can afford the home and avoid getting into a bad situation for both of us.

We do not ask for tax returns. If you have pay stubs, this makes it easier, but they are not always required. We work with a lot of tenant-buyers who are self-employed, paid in cash, are combining income between 2 or more parties, or are not able to provide income documentation for other reasons. In these, and many other cases, we can use “stated income”, provided that we are able to understand the full “picture”. In these cases, we may ask for alternative means of documentation.

This is a GREAT question!! We get asked this a lot, and unfortunately, we live in the digital age where there are real scams out there. But we are not one of them. If you look up our owner's name, Ryan Faircloth you'll see that he's a well-respected businessman in the Triangle, licensed general contractor, and licensed real estate broker. You will have direct contact with Ryan prior to the exchange of any funds and will have the opportunity to get to know him and the company.