Benefits & Information
Rent-to-own contracts offer prospective buyers an opportunity to settle into a home they want to purchase while they continue to save for a down payment, improve their credit score, or wait for a negative factor on their credit report – such as a foreclosure or a collection – to fall off or be taken off by experts in credit repair.
WHAT REALLY MATTERS?
Bad Credit, Can't Get a Home?
This is why we’re here. We work with people who have bad credit, because we don’t believe a bad credit history should keep you out of your dream home. You can afford it, you can make the payments, but a couple tough years are preventing your home ownership. We don’t hold to that. Bad Credit isn’t the end of the world! Like a stubborn booger, Bad Credit follows you around like an annoying childhood friend. It prevents you from attaining many of your life goals.CONTINUE ON
First Time Buyer Perks
FHA loans and mortgages work perfectly for first time home buyers. There are four aspects to FHA loans that work for the first time buyer: The down payment is low. With a low down payment of just 3.5% of the purchase price, an FHA loan helps many purchases who don’t have as much as 10% required by some institutions. FHA loan programs allow for bad credit and low credit scores than conventional loans. For first time home buyers, a low credit score is often the problem.FIND OUT MORE
“The team helped me rebuild my credit and now I am a first time home buyer. When my mortgage broker could not approve my mortgage she recommended I use OYH to help me improve my scores. The process was smooth and the team was awesome to work with.”
“I want to show my appreciation to Emily, who did a fantastic job helping me with my credit score. I joined at the end of August 2014 with a credit score of 618. Last week, I was finally able to re-finance my mortgage as my score was 702! You guys are awesome!”