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Do You Want REAL Rent-to-Own Homes? SIGN UP NOW.

22 Jan , 2016  

We’ll be honest here: the real estate industry’s cutthroat. We accept that. It therefore means you may hit pitfall or trapdoor in your trek through the jungle that is this market due to the fact that there may be scammers out there, and even the best services like the Ultimate Rent-to-Own Home Program and this free list of rent-to-own homes may grab some of those posers, unknowingly filtering them out to the most hopeful home renters and homeowners with 640 credit scores. Know this: these services are on top of the game to eliminate the pests infesting our markets as well as keeping the information updated, for sure, but you may still be asking the big question: where are the real rent-to-own homes and can I just get access to the information directly?real rent to own homes tiger

Sometimes Contact Information Is Key When It Comes to Real Rent-to-Own Homes

You might even have paid the valuable $49 with the Rent-to-Own Consultants to handle everything from the landlord negotiation to credit repair, which is hats off to you, but let me tell you this: you receive great autonomy and power when the contact information for any particular address in your zip code is ripe for the taking, and then you pass on that information to your resources and skyrocket to the top of the waiting list for a showing, plus an immediate offer for a contract to get into a rent-to-own home!

Enter: this website. The REAL rent-to-own homes, without even signing up for a membership. Just a Google-type search engine getting you past that front door and offering you the contact information you need to get a hold of those landlords, those homeowners offering their real rent-to-own homes.

Efficiency, Convenience, Quality Leads, and Success in Finding Real Rent-to-Own Homes

Check out our front page for a quick look at this site and its 5-star rating. It’s true. You don’t get redirected to a new website or anything. You just get the contact information you need to make the call yourself. Or you can get a hold of the Ultimate Rent-to-Own Home Program, H.O.P.E. to Own, or a quick appointment with your Rent-to-Own Consultants to let them handle the inquiry for you.

The first step is getting that access immediately. And that’s your secret weapon in this real estate jungle. Because we all know that while the real estate market’s cutthroat, it’s also competitive. And if you get that access to real rent-to-own homes, you just might find yourself at the top of the list, getting into that home you always wanted first. And let the lions, tigers and bears feast on the stragglers behind you.

The post Do You Want REAL Rent-to-Own Homes? SIGN UP NOW. appeared first on RentToOwnReviews.

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Buy a home with bad credit,Current News,renters

The Current State of the RTO Home Industry: a Continuing Trend

22 Jan , 2016  

Read about any of the reviews regarding the Ultimate Rent-to-Own Home Program, this list of rent-to-own homes, and an aggregate system for RTO properties, and you’ll know right away: the RTO home industry is still as popular as ever….

The News in Today’s RTO Home Industry Might Surprise You, Though: Wall Street’s Getting in on the Action

You heard correctly: even high-profile firms are seeing the value in the RTO home industry. Rent-to-own makes more than the mark. It’s seeking to revolutionize the housing market regarding credit repair thanks to recent developments on one of the most prolific rent-to-own companies — aside from the prestigious organization the H.O.P.E. Program — a “little” corporation known as the Home Partners of America (HPA).

But before we get to the goods on what’s going on in this RTO home industry with respect to the HPA, let’s understand exactly what rent-to-own is all about:rto home industry-1

What Is Rent-to-Own? And Why Would You Want This Option?

Forget the negativity of an option that is rent-to-own and realize that there’s a direct benefit not just for the homeowner, but the home buyer here. All sorts of rent-to-own programs existed through small operators became the rage back in the ’90s as a way to provide an alternative to consumers who may not have a whole lot of cash saved up for a sizable down payment on a mortgage. Understandable. However, almost as quickly as the RTO home industry started seeing some gains, the trend declined due to easy lending choices with no money down — which, as you know, most definitely contributed to the unfortunate housing crash in 2008!

Essentially, the RTO home industry was all about negotiating a deal between the homeowner and the potential home buyer to rent the home for a specific length of time with an option to buy later down the road as credit improves and the home renter saves up enough money for a possible down payment. Sounds good, obviously, but there were cons to the RTO home industry, such as a higher rent and purchase price the longer they rent vs. the fact that those potential home buyers get to lock in that home at a price (which could be a negative, too) and try out the home and neighborhood to see if it’s a great fit for the individual or family. In a sense, the RTO home industry provided something rarely seen in the housing market: flexibility.

rto home industry-2Enter: the Home Partners of America

Given the fact that lenders nowadays are setting the bar so high, what with credit scores being the make-or-break deal in securing that mortgage loan, it’s now a sure thing: the RTO home industry’s rising again, and for good reason. The HPA sought to target this market that hadn’t seen any development for years since the crash, and it looks as if they’ve nailed a chance to stimulate the industry and get people into homes without issues of foreclosure or decline.

This is how the HPA operates — you’ve got a consumer looking for a home (obviously, a rent-to-own home) and collaborates with a real estate agent. Of course, the HPA has literally an empire of approved communities in suburban locations with solid school systems for families; additionally, prrices range from $100K to $725K, so you’re looking at an RTO home industry that blankets the entire range of possibilities for home buying.

What happens, of course, is the HPA then actually purchases the home from the seller, leasing that home to the prospective consumer. The deal is the consumer becomes a home renter with the actual right to purchase the home after a set period of time. There is an expectation that the home renter has to work on repairing credit for approval of a home loan as well as saving for that down payment, but here’s the catch: the longer that home renter is renting on the property, the more they may have to pay just to buy the house. Interesting trade-off. But with the right rent-to-own resources, and education on the RTO home industry, while it may benefit the homeowner, you’re looking at a great option for the home buyer!

Are There Any Examples We Can See on the RTO Home Industry Right Now?

If you were to go on the HPA website, you might see a home shown at a listing price of $449,975 in Chula Vista, CA, with the option for a potential home buyer to purchase at a price of $472,035 just after one year. Now after five years of renting, the home buyer would be looking at a $573,762 purchase price — a 28% markup from the original listing.

Sounds bad, yes — but when you’re informed of the stipulations beforehand and you know what to expect, without rto home industry-3even worrying about whether or not a bank will approve a home loan for you — for many families out there, that’s a great deal! Security. Insurance. Assurance. Those are now the main assets in this housing market, thanks to the RTO home industry.

How Does That Compare to Home Renting and Mortgage Payment Averages, Though?

Given the rising prices in our market at the moment, it’s not far off the apple tree — but make no mistake as those potential home buyers will be paying a premium due to a rent-to-own. Your typical 30-year conventional mortgage for the exact same listing in the example would go for just $1.8K. Now with an average single-family rental payment of $2.270K/month in San Diego, this is what the prospective homeowner’s paying extra for — the lock-in for buying that home without any chance of it falling through. Something many people see in the real estate market, for good reason (we, after all, don’t want to see another housing crash, right?).

A sparkling credit score, and a good down payment: that’s typically what we end up seeing in a traditional mortgage, something that doesn’t always work out for the average consumer. So, naturally, a chance to repair credit while living in the home, plus potentially getting the loan at the lease option to buy with zero down, just might be worth the extra price in rent, don’t you think? And here’s an even better benefit for that home renter: the tenant isn’t required to buy!

Interest in the RTO Home Industry Is Still Steadily Growing….

The HPA isn’t the only organization seeing a profit in the RTO home industry. Home LPC in NYC and Premium Point Investments have also thrown their financial hats in to see if there’s a profit to make in buying these properties and renting them out with a lease option to buy. More and more homes are being bought out for the purpose of rent-to-own; and due to the flexibility not only for the seller/company as well as the renter/buyer, it’s quite hard to see any disadvantage.

You just have to remember one important point when it comes to the RTO home industry — you need to know where to look, what to do, how to do it, and someone to help you do it all the way through. Something that may actually come a little easier for a prospective homeowner than saving a ton of money for a down payment and getting that mortgage approval….

The post The Current State of the RTO Home Industry: a Continuing Trend appeared first on RentToOwnReviews.

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Buy a home with bad credit,Current News,renters

Register to Buy a Home With THIS Site Right Now

22 Jan , 2016  

One thing’s for sure: we have to keep up with the signs of the times, and here’s what those signs say: ACT NOW, ACT NOW, ACT NOW. You have to get the information you need now, what with the rising home prices in America, plus the new mortgage rules in effect, and the fact that the trends are showing that prospective home buyers are offering more down payments. United States real estate never looked better (right, China?).

So What Do You Do? You Register to Buy a Home. Immediately.Register to Buy a Home Screenshot

With this one site. Check it out right here. This can literally solve all of your issues in one fell swoop, and as you’re focused on a rent-to-own — and perhaps you’ve already secured one via the Ultimate Rent-to-Own Home Program — you’ll be looking to get everything squared away with credit repair, a lender, and the right mortgage loan well before you exercise your lease option to buy.

This is the site to get that all done. And there’s even a phone number to call, giving you that option to speak with a specialist immediately and get started today.

It’s Hard Work Getting That Home Loan, Plus Maximizing Your Chances of the Seller Accepting Your Offer

Yes, even some legal assistance would be necessary. But this, yet again, is yet another benefit you may have with the offer RegistertoBuyaHome.com — you don’t have to do anything! Well, except register….

Register with your credit score (if you know it — if not, not a problem), and you’re all set. That’s it. And it’s no secret that we at Rent-to-Own Reviews award the offer a healthy five stars without a problem. Simple registration. Easy consultation. You know exactly what you need to get that home without having to waste so much time with other professionals and needless research.

Are you done reading? Good. We’re taking a cue from how easy it is to register to buy a home with this site, so you do the same. Enroll now. And those house keys will soon fall right into your hands.

The post Register to Buy a Home With THIS Site Right Now appeared first on RentToOwnReviews.

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Buy a home with bad credit,Current News,renters

Watching Your P’s and Q’s as a Rent-to-Own Occupant

21 Jan , 2016  

The interesting thing about rent-to-own properties is how private and flexible they really are. There’s no specific basis for them, especially from a real estate broker standpoint. In fact, brokers and agents for the most part wouldn’t care too much about rent-to-owns, because there’s not that much in it for them. Typically, rent-to-owns are all about two parties, and that’s it: the rent-to-own occupant, and the owner. Because of that, there’s a lot of room for negotiation, but do be cautious.

Remember: as a Rent-to-Own Occupant, You’re Still Not Sharing Ownership of the Propertyrent to own checklist

You might even be completely solid on the fact that you will buy the property when the time comes. Even the contract will have an agreed-upon price and down payment after a set number of rent payments have been made. The landlord may know, without a shadow of a doubt, that you’re going to buy the property when the time comes. But you’re still a rent-to-own occupant. A tenant. And that means you don’t have the right to make decisions regarding the property without the owner’s approval.

So when asking the question — out of many questions to ask about rent-to-own — “can I just sell the house to somebody else and pay you the difference?”, know that you’re playing with legal fire in a big way, and you’re going to get burned.

Case in point: you don’t own the house, yet. You, therefore, can’t sell the real estate to anybody else.

One thing to know about your P’s and Q’s, though, is that your contract might allow you to rent out the property. You might even be allowed to hand over the rent-to-own agreement to somebody else, making that other person the rent-to-own occupant. It has to be in writing on the contract, though — or legally the landlord (owner) can simply say “no.”

Lots of P’s and Q’s to Worry About?

We can help, as we’re your rent-to-own consultants. You may be a rent-to-own occupant anytime soon, because you’re interested in the prospect. Just know that you have no P’s and Q’s running off; we’re constantly vigilant for you.

The post Watching Your P’s and Q’s as a Rent-to-Own Occupant appeared first on Your Rent-to-Own Consultants.

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Buy a home with bad credit,Current News,renters

Knowing the Difference Between Rent-to-Own and “Land Contract”

21 Jan , 2016  

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Brace yourself: this is going to be difficult. As with anything in the real estate industry, you end up thinking you need either a real estate attorney or maybe Superman to wrap his brain around the concept of knowing the difference — between a rent-to-own and a land contract. Not even a kryptonian could honestly figure that one out (which is why you have our rent-to-own consultants helping you out with this one!).

What Is a “Land Contract” Anyway?

Get interested when a potential seller even mentions this term. It’s an intriguing way for a seller to rent to own Supermanbasically sell the home without giving up the title, basically. You, as the buyer, can purchase the home through contract and essentially pay “rent” (for lack of a better term), and when you’ve paid the entire purchase price for the home, the title to the property’s all yours.

In a way, it’s like leasing a car. You get to drive it. You get to maintain it. You get to go on a road trip clear across the country if you want. But you never get to own it — and that means you can’t sell it or perhaps even upgrade it — until you finish paying it all off. Certain advantages and slight disadvantages there, obviously. You can see why you might want to ask this along with other inquiries about rent-to-own.

Now a Rent-to-Own Is Slightly Different

The only way I can differentiate on this is that it’s largely dependent on an agreement typically made by the home seller. An offering for a land contract focuses mainly on the entire selling price — whereas a rent-to-own keeps it as a tenant-landlord deal for a specific period of time with an extra portion of each monthly rent going toward a down payment for ownership of the house.

It’s convenient. It’s flexible. And that’s the key. A land contract seals you in for the deal, for the long haul. You can’t back out of it without some form of penalty, because you agreed to basically own the house later on. But a rent-to-own simply offers the option — if you want it (which most of the time you would, provided you negotiate the best of terms for both parties).

You Can See the Striking Similarity

Like looking into a mirror or something. But don’t be fooled. A land contract is so different from a rent-to-own that it’s scary. Just be well-informed. Because while you might want to just stick with a full lease on a house and make those payments as if its a mortgage, know that you don’t have a lot of wiggle room….

But a rent-to-own? That’s a whole different story and superhero altogether.

To get help finding a rent-to-own home, click here.

The post Knowing the Difference Between Rent-to-Own and “Land Contract” appeared first on Your Rent-to-Own Consultants.

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The post Knowing the Difference Between Rent-to-Own and “Land Contract” appeared first on OWNWITHHOPE.

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Buy a home with bad credit,Current News,renters

The Reverse Mortgage: What Are the Rules and Risks?

21 Jan , 2016  

Oftentimes we hear a lot of big stuff going on in real estate, specifically when it comes to the true American institution, the home mortgage. We’ve seen the mortgage trends. Rising home price predictions in the U.S.? Check. What about those new mortgage rules made into law? Double-check. Given all the news about the real […]

The post The Reverse Mortgage: What Are the Rules and Risks? appeared first on NATIONWIDE PROPERTY VALUES.

The post The Reverse Mortgage: What Are the Rules and Risks? appeared first on The Complete Real Estate Site.

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Buy a home with bad credit,Current News,renters

Top 6 Real Estate Pinterest Profiles and Boards for 2016

21 Jan , 2016  

It’s a fact that we’re a visual species. The most information approaches us by what we see, first and foremost. Even as we read information, we’re seeing that information and understanding it, which is why Pinterest and other social media platforms make such a major impact on many industries as far as marketing and advertising […]

The post Top 6 Real Estate Pinterest Profiles and Boards for 2016 appeared first on The Complete Real Estate Site.

The post Top 6 Real Estate Pinterest Profiles and Boards for 2016 appeared first on NATIONWIDE PROPERTY VALUES.

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Buy a home with bad credit

U.S. Real Estate Investment Challenge 2016: Home Renting or Home Owning?

20 Aug , 2015  

The real estate investment market is currently a sticky mess with property instability at its current state. Home ownership in the United States is at an all-time low, surprisingly. Despite our positive endeavors here at the BBB A-rated HOPE Program, it remains clear — home renting (hence why Assisting Renters is so popular these days!) is on the rise. But is this just temporary or a permanent trend? Or perhaps can this market wave, bounce, turn and twist on a dime?

What Does Real Estate Investment Look Like for Home Rentals? Apartments?real estate investment dime

Right now the rental industry is soaring sky high. New apartment buildings are being put on every corner. This is due to the baby boomers deciding to enjoy retirement. Millennials don’t want to commit to a life in the suburbs quite yet. If you are looking for an immediate real estate investment, the home rental market is looking to be a hot stop!

Or Maybe I Should Invest in Single-Family Homes?

The housing market, though at an all-time low, is most definitely not dead! It is slowly climbing back into a strong industry, not at all completely uncommon or even rare for the market to do that. People in the housing market are in it for the long haul and long-term real estate investment, specifically in Texas from foreign sources. After all, property value will always be in demand, but never in accumulating supply! It’s a valued commodity.

Due to the increased economy and continuing better employment market, people will soon feel more comfortable spending their money on that single-family home. Additionally, the largest generation (millennials) in the next decade will be getting married and having children, which will dramatically increase the need for family home in the near future.

Decisions, Decisions, Decisions….

In the end, it looks like both industries are going to be profitable with common downswings typical of the market. The key is to be prepared and predict the rise or fall. After all, the housing market may be a better long term investment with a small lag in recovery while the apartment and rental industry is currently soaring. Either way you look at it, real estate investment in the housing or rental market is going to put pennies in those piggy banks no matter what. Just depends on whether you need those pennies now or later.

WANT TO SIGN UP FOR INFORMATION ON INVESTING IN REAL ESTATE RIGHT NOW? CLICK HERE AND ENTER YOUR INFORMATION INCLUDING EMAIL AND U.S. PHONE NUMBER.

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Buy a home with bad credit,renters

Why an Extensive Negative Credit History Might NOT Hurt the Homeowner

31 Dec , 2014  

Did I just go against the grain here? Yes, I certainly did. In all the annuls of literary discourse talking about bad credit, zero down homes, rent to own, and real estate in general, one thing does remain to be a constant: you don’t want a negative credit history. Right? Yes, that’s true, but don’t call it quits on getting a home loan or even qualifying for anything else due to your bad credit. It’s not as “bad” as it may seem, and here’s why:

Believe It or Not, But the Simple Fact That You’re a Homeowner Will Make Your Credit Historynegative credit stain “History”

Your history of bad debts will be a stain, yes, but let’s be realistic here. They’re just stains. They can be washed off at some point. Moreover, this is what you have to understand about a negative credit history and how lenders will view it: they’ll put more weight on what you’re currently saddled with versus what you’ve had to face in the past.

That simply means if you have charge-offs on your credit report from perhaps ten years ago, don’t sweat it. Lenders focus on what’s going on with you right now. They’ll look at current accounts. They need the current stuff to accurately gauge just how much or how little of a credit risk you really are.

In fact, the option of selling your home and paying off your bills, or even renting out your home to take care of your debts, proves without a shadow of a doubt that being a homeowner for the most part automatically puts you at the top of the list for home loan approval. Just remember: it’s not about how much owe, it’s about how often and on time you’ve paid consistently.

You at Least Have a Credit History

There is something even worse than bad credit, folks. It’s called “no credit.” So count your lucky stars. A negative credit history will be a minor disadvantage, but an immediate disqualification from everything regarding a home loan, car loan, to even an American Express card, is the result of no credit history for any lender to base a decision on.

How is the lender supposed to know if you’re going to be a risk or not? In a way, it’s even more of a risk going in blind than at least seeing what the possibilities are. After all, a lender has to do business somehow. Seeing that there is at least some credit history will determine a lot.

Don’t Be Too Hard on Yourself

The HOPE Program insists that you keep your head up! Give us a call, and you’ll see what we can do for you. If you don’t believe it, just ask the over 13K people that see it with their own eyes. You can get approved. You can be a homeowner again. You can make your home ownership work for you.

Contact H.O.P.E. to Own today.


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