Ten Down Program

Do you have a down payment of 10% or more? If YES! You can choose your dream home from Zillow or on the MLS.  Then we will buy it for you NOW, giving you time to get your own bank loan in the future. 

And it works with ANY credit score! 

(Terms and final approval provided by the Investor) 

If you have been turned down by the banks, but have a decent down payment of 10% of the purchase price, we can buy a home of your choosing from Zillow or on the MLS and sell it to you when you are ready. The Ten Down Program is designed to make the home-buying process easier for aspiring homeowners. Our approach puts you first! Learn how we are shattering the barriers to homeownership by eliminating the long waiting period before you can get a bank loan. Having a 10% down payment makes it possible to get into your dream home NOW with almost any credit score & the least amount of stress.

Family Entering New Home

We are committed to helping families into homeownership. Our mission is to educate our clients with personalized financial advice so they can own their homes and build wealth for themselves and their families. We accomplish this through our Ten Down Program. Apply today to achieve your goal of owning a home of your own!

Now you have an opportunity to achieve the American Dream of homeownership through our unique, individually tailored Ten Down Program. This program paves the way for deserving people to become homeowners without the stressful challenges of moving from one rental property to another before getting bank financing.


  • Desire to become a homeowner
  • Must have 10% down
  • Stable income
  • No evictions (Unless Covid-19 caused)
  • No felonies

Our goal is to create the most simple, straightforward, and trustworthy path to homeownership.

You choose the home of your dreams, our investors buy it for you today, 

so you can own it tomorrow!

As long as you have 10% down, you will start by sitting with our approval team and looking at how much of a home you can afford, as well as what kind of house you are looking for. Once you have that figured out, you get to go house shopping! You will be working with a real estate agent and you get to enjoy the process of shopping for your future home.

You choose a home that you like, and our agent handles the negotiation process and then one of our Investors purchases the home for you! This allows you to move into your ‘Dream Home’ and live in it while giving you the time you need to get qualified to purchase the home with regular bank financing!

You pick the house, our Investor buys it for you, and you get to live in it while having the time you need to be able to purchase it with a bank loan! 

From our Team to Your Family

Keys to Your New Home

Deciding to purchase a new home is a big decision, and we realize that sometimes you just need a helping hand to get going. That’s why we want to make joining the FREE homeownership program an easy decision. Our team gets to know you and your specific needs and plans as a homeowner—and stay with you every step of the way.

The team members are experts at buying & selling homes, Lease Options, or Owner Financing. These are simple agreements where our buyers make monthly payments towards the purchase of their home, for a predetermined period, and at a predetermined price. A down payment is required for the “Rent To Own 10% Program” and is fully credited off of the purchase price at the time of financing.

We’ve developed key relationships with companies that work specifically with our Ten Down Program. Our team will help with establishing active trade lines, credit improvement, finance assistance, mortgage lending, home warranty, title work, etc. What distinguishes us from others is our ability and flexibility to custom-make the terms and conditions to fit each buyer’s financial criteria and wherewithal. We have years of experience putting together creative terms to ensure your success.

Even those with significant credit challenges can become credit-qualified and mortgage ready within 12 to 36 months. If you have a reasonable down payment, regardless of your credit history, we can work with you to get you into a home of your own. The best part? It’s a free service, just one of the ways we remain committed to the long-term value of the communities it builds. Take the first step and tell us a bit about your situation and let us know what you are looking for.

Click this link

Application for a 10%-20% Down Program with Any Credit

 to share with us your goals and we’ll help you to achieve it the most efficient way.

Low or No Credit OK!

Do you want to own a home?

Do you have credit problems?

Are you self-employed or a new business owner?

Then we can help!

With our Lease-Option program or other creative financing solutions, we can make your dream of owning a home come true.

With these programs there are:

  • No banks needed to move into your dream home now
  • No traditional bank qualifying (ANY or NO CREDIT OK)
  • Quick approvals
  • Self-employment OK

Why Lease Option Your Future Dream Home?

If owning your own home is a dream of yours but your current credit or financial situation just won’t let you buy right now, that’s where the Rent-to-Own Program comes into play. Our team can help you improve your credit and financial situation during the rental period to help set you up for successfully getting a bank loan and purchasing the home. 

Are you dreaming of owning your home so that you can build equity for yourself instead of your landlord? Have you been denied a traditional mortgage due to:

  • Low Credit
  • No Credit
  • Self-Employed
  • New Immigrant
  • Short On The Down Payment
  • Divorce
  • Foreclosure
  • Pandemic 
  • Any other reasons …

Yes! You Can be Helped Now!

We will help you find the perfect home for you and your family. While you live there, our program will allow you to correct your credit situation to help you qualify for the mortgage at the end of the term.

How Our Program Works

Our Lease-Option Program is designed to help you purchase your own home that fits your needs and your financial situation to set you up for success. That is why the first step is an assessment with our credit team who will evaluate your situation and develop a plan to repair your credit. You will then be assigned to a realtor that will help you find a home in the price range determined by the mortgage broker that meets your needs. 

We will acquire the home of your choice that will be leased to you in the interim. 

  • You pick the home of your choice.
  • We ensure you are matched with a home you can financially afford.
  • You have the ongoing help and support of an expert mortgage broker to help fix your credit & prepare needed documents to be approved for the bank loan later.
  • Our program is pet friendly.

How Do You Qualify

We take our qualification process seriously because at the end of the program we want you to purchase your home and achieve home ownership.

You will be able to take advantage of our program with ANY or NO CREDIT as long as you can put down 10% or more and can demonstrate that you have a stable income to support your monthly payments. 

The Ten Down Program

Lease Option is simply where you buy the property from us or our Investors under a private contract and we act as a financial institution, just like a bank.

If you have a 10% down payment, you can get the property without going through the traditional qualifying and loan approval process.

However, unlike banks we are not in the business of providing permanent financing, so we can finance you only for a 1-5 year term, to help you jump from renting into homeownership.

We will give you a residential lease with the option to purchase the property at a specified price at any time during the lease period (between 1-5 years). 

Any payment quotes we make would be based on a fair market rent or slightly above, but our Ten Down Program arrangement would be for 1-5 years. At the end of that term, you will have to obtain a replacement loan from a traditional lender. And again at that point, you would go for a “refinancing” loan, which should be easier & less costly to get than a “new purchase” loan, assuming you kept your credit straight and made payments on time.

Our lease-option is 12 or 60 months because most people’s credit situations can be corrected in that time. On day one, after signing up,  the tenant-buyers meet the mortgage broker and credit repair person with whom they will be working. The goal is to have the tenant-buyer hit “The Four Pillars of Improving Credit” so that they can qualify for a mortgage loan and exercise their option to purchase at the conclusion of the agreement.

The Four Pillars are:

  1. Cleaning up past credit issues.
  2. Getting a checking account.
  3. Getting a secured credit card.
  4. Reporting the tenant-buyer’s on-time rent payments to the Credit Bureau for them using a service called RentalKarma.

If the tenant-buyer hits those Four Pillars, they should be able to qualify for a bank loan or refinancing within 12-24 months.

How Does A Lease-Option Work?

A lease-option agreement might be right for you!

It’s easier than you think – and we can help.

The Lease Option process is really pretty straightforward.

Step 1: Submit your info on this website and let us know the type of house you’re looking for.

Step 2: We’ll look at your situation, and the type of property you’re looking for, and show you your rent-to-own options.

Step 3: View the homes on MLS, Zillow, or any other homes on the market that fit what you’re looking for.

Step 4: We will buy the home of your choice.

Step 5: You will move into your dream home with a rent-to-own agreement and will get full ownership as soon as you get bank financing. You will have 1-5 years to be qualified for a regular bank loan. 

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