Welcome To IHaveAHouse4U.com! 
The #1 SOURCE for Owner Financed & Lease to Own Homes in RALEIGH & WAKE COUNTY.  
            NO ONE will work harder to get YOU into a Home ! 

             SORRY YOU MISSED THE $8K Tax Break----
                       But to be honest...you don't NEED it to get into a home!

Our "niche" (and our PASSION) is helping folks in Raleigh/Wake County Lease to Own or get OWNER FINANCED...STILL IS!   And we have been doing ALL we can this past year to help our clients BUY their homes, taking advantage of the TAX CREDIT and getting THOUSANDS in equity!  But we don't NEED UNCLE SAM to help get you into a home! 

But for the record, here are just a FEW of the friends that have 1. Purchased a Home in Wake County, 2.  Are getting $6500-8000 in Federal Tax Credits--Checks from Uncle Sam, to help them with their down payment.   NO BANKS have been involved.  Conventional standards for loans have been thrown out the WINDOW!

           *Hear and read some of their stories - Click here !

     IT'S TRUE! We are not acting as agents selling someone else's homes. We're actually the owner of several lovely homes which are available for CREATIVE WAYS TO HELP YOU BUY!

 Since we OWN the homes, many times (depending on your circumstances) we are willing to finance all or part of the purchase ourselves. All the normal rules concerning credit, debt ratio, proof of income and yes, even down payments are thrown out the window. Since we own the homes, we can be very creative with the financing and structure it to fit your needs. We serve Raleigh, Cary, Apex, Morrisville, Holly Springs, Garner, Knightdale, & All Wake County! 
 
So, here's what it comes down to. If you're truly interested in buying a home of your own, I'll give you several options after this message. If we have a home you like and you have something we can work with, you can be in a home in less than 30 days.   Just be aware that if you have very bad credit AND no money - unfortunately we probably can't help you. On the other hand, if you have at least fair credit but little or no money – or if you have some money but have lost your credit, we can probably help you buy a home now. Please let us look at all the facts before you decide that you can't qualify.

Remember, we own the homes. We can do whatever you and we agree to make it work. You can't imagine how many folks are now in a home of their own because they let us work our magic. Most thought they couldn't qualify and could never buy a home. They were wrong! Click here to see some of our most FREQUENTLY ASKED QUESTIONS.
 
        Here are just a FEW MORE of the great friends of IHaveAHouse4U.com!

  

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CAN WE REALLY HELP YOU GET A HOME?     
IHaveAHouse4U. com FAN CLUB Testimonies

PLEASE KEEP READING BEFORE YOU THROW AWAY MORE RENT!
How Does It Work?

You Have Damaged Credit – Can You Buy A Home?

Of course! You'll be glad to learn that you actually CAN get into a home with damaged credit, even NO credit.  It just takes a FLEXIBLE SELLER who is willing to think outside the box.   WE ARE THAT FLEXIBLE SELLER! We can owner finance the home. . . We can Lease Purchase (Lease Option / Lease to Own) the home!

 

Is Your Debt Ratio Too High?
Just How Much Home Can You Afford?

You may be surprised to learn how much of a home you can afford. Generally accepted standards say that your new house payment added to all your other monthly payments, should not exceed about 40% of your gross (that's before income tax) for you and your spouse. Keep in mind, that does not include items like insurance, clothing, food, utilities, entertainment, etc. You should add only those items with fixed payments such as cars, furniture, credit cards, mortgage, student loans, etc. . If an item doesn't show on your credit report, it probably won't count against you as a debt.

 

If You Can't Easily Verify Your Income, What Options Are Available?

If you feel you can't buy a home, because you can't verify your income, think again. Some of our happy customers felt the same way before contacting us, but they found himself in the home of their dreams within 30 days.  BANKS may not be able to do it, but IHaveAHouse4U.com can.
 

 

If You Have Nothing To Put Down, Can You Really Get Financed?

Frankly if you have no money and very bad credit, there's nothing we can do for you.  But, 1) That doesn't have to be a permanent situation.  2) We can get you into a Lease to Own home (for as little as 2-3% upfront) while you work through your credit (or other!) issues.
 

 

So What Is The Lease Option Program?

Are you tired of wasting monthly rental payments while home prices rise year after year? How much has the value of the home you rent now risen just since you've been renting? Homeownership may seem to many to be an impossible dream. Saving enough money for a down payment while paying rent or trying to secure a mortgage with a low paying job or bad credit history, are only a few of the obstacles that make buying a home seem so difficult.

With our “Lease Option" program you can realize your dreams. The “Lease Option" program allows you to lease and occupy a home – while taking advantage of the equity building available through appreciation and credits built up through our Timely Payments Credit program.   You build equity towards the sale price that we set the day you sign the "Lease Option" agreement. This way, You enjoy the pricing and value of ownership today even though you won't finally purchased the home until later. Plus, you also know that the work you do in the home will not be wasted when the lease is over.

Best of all, through this program, while you're living in your home of the future, you're improving your credit, and putting yourself in a position where home ownership is not only possible, but easy.

This unique program truly makes homeownership a possibility for anyone with something to work with. To see the homes that are currently available,
Click Here... HOMES AVAILABLE NOW

 

Do You Have a Downpayment, But Want/Need To Get Owner Financing?

If you're looking to buy a home and feel that owner financing is your best option, you've come to the right place. We have several homes available and since we own them, we are free to work out CREATIVE financing arrangements to suit your needs. We can provide owner financing for all or part of the purchase price, regardless of your credit, debt ratio, income verification, and other factors that prevent deserving folks from getting bank financing. However, this will require a down payment to make it possible.

Simply put, the more you have to work with, the easier it will be to get you in the home quickly, sometimes in just a couple of days, and under great terms. If you have a good down payment, the best thing to do is contact us now or call us to discuss your needs. To get a list of homes to tour, click here, and even if we don't have one available that you like, we'll add your name to our VIP list and we'll find the one as soon as possible. Add me to VIP LIST

Don't procrastinate because beautiful homes like these, which you can buy with owner financing are rare indeed. If we didn't own them, we couldn't offer such easy terms and obviously the demand is bigger than the supply. If you're serious about buying now, your best option is to start now. It costs nothing and there's no obligation. Just click here to look at the property we currently have for sale.

Remember, regardless of whatever kept your from buying a home in the past, don't let it stop you now! You're talking to the owner directly, not a realtor or broker. We're free work it out between ourselves without banks dictating the rules.

So, if you have a downpayment and want a home of your own, click here.

The choices are simple:

Do nothing, and continue to make your landlord rich
*or* 
Get the ball rolling by viewing our homes that
are currently available and ready for your inspection.

The choice is yours and yours alone. One more thing. We keep a list of serious folks who are looking for a home on file at all times. We notified these folks of new properties available first. They get a shot at them before anyone else even knows about them. Sometimes we do not even have a chance to advertise them on our web site. So, even if you don't like one of our current homes, make sure you click on the my dream home button to help us get started helping you find the home of your dreams. It costs nothing to explore your options.

JOIN the VIP Buyers List - Get notified of Available Properties FIRST!


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