Helping You Find Your New Home
BUYERS:
We sell a few of our homes each month with flexible owner financing.
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How To Buy A Nice New Home Without Bank Qualifying or Large Down Payment
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Click here to see a list of our properties that are currently available
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Welcome to G & M Property Solutions buyers homepage. We are a Salt Lake City based company that is focused on helping everyday people get into above average homes. We use our creative real estate financing to get people into houses they otherwise would not be able to get into. We are focused on making sure we provide you with as much help in real estate as possible. Whether you are looking to get into a new home, get rid of an old one or simply just have a question about real estate, we are here to help. Please read on to find out how we can help you get into your dream home. It doesn’t matter if you have damaged credit, no down payment, bad debt ratio, or can’t verify your income. We have found ways around all of this. Even with the market in the state that it is in, we have found new innovative ideas to get around the fall of the “Sub Prime” lending. Stop wasting your money on rent and start investing in an appreciating asset – Real Estate. We have many homes that you can buy the conventional way but what’s even more exciting is a lot of our homes offer seller financing or “lease options” (also known as rent-to-own). You can read more on lease options below.
Damaged Credit? See how we can help you get into a new home…
Do you have damaged credit that has been holding you back from purchasing the home of your dreams? Fear no more. It’s actually pretty common for most Americans to have bad credit. The average American’s credit score comes in around 678, according to Experian’s 2005 National Score Index. If your score is too low (most lenders consider anything below 620 to be "sub prime," or higher risk) you may not get the loan you’re seeking or, if you do, it will likely carry a higher interest rate. But luckily we know lenders that specialize in getting loans for people who have credit problems. If you have credit problems but have some cash your best bet is to find a flexible seller which can be hard. Most sellers want to be cashed out, but not us. A lot of our homes are available with seller financing so you don’t have to go to the bank to get qualified. We are the flexible seller you have been looking for. Since we own the home we make the rules and we can adjust things to help better fit your specific needs.
Debt Ratio Too High? What Can You Afford?
The funny thing is that most people we talk to who ask these questions and let us help them find the answer are surprised at what they can afford. Your credit score is a measure of your past performance, not your current debt load. Your credit is only affected by things that show up on your credit report such as cars, furniture, credit cards, mortgage and student loans. So keep in mind the groceries, clothes, food, utilities and entertainment don’t count against you when determining what you can afford. The suggested house payment plus all your other monthly payments should not exceed 40% of you and your spouse’s combined gross income (before income tax). Generally if something doesn’t show up on your credit report if won’t count against you as debt.
What If I Can’t Verify My Income?
If your thinking this same question, think again. Some of our most satisfied customers asked themselves this same question, but then found themselves in the home of their dreams within 30 days. With some of our tips and tricks, verifying income is actually one of the easiest steps of the home buying process. There is information that we can offer to help you get over this small hurdle.
What If I Don’t Have Any Cash To Put Down?
Common sense tells people that if they don’t have a down payment then they can’t get a loan. This is not always true. We have lenders that have special no money down programs for people just like you. Frankly though in order to get into any house you need some cash, some credit or a little bit of both. Without something to work with its going to be hard to get you into any house, even with sellers that are as flexible as us. But if you have something for us to work with then we have many programs that are not widely know that help people get into the home of their dreams.
What About Your Lease Option Program?
This is one of our most popular programs lately, especially with the market in the condition it is in right now. After the subprime mortgage meltdown a few months ago rents have been on the rise and you have needed a near perfect credit score to be able to get into even the easiest of homes. The best part of our unique Lease Option program is we will help you build your credit, build equity, have the benefits of being a homeowner AND have the option to purchase the home later on down the road. You also have the peace of mind that any improvements you want to do to the house will not be for nothing when the lease is up. With this lease option program home ownership is possible and easy for many people that thought of owning a home only in their wildest dreams. First check out our Property Listing and see if you’re interested in anything we have available RIGHT NOW. Next if you don’t see anything you like Click Here OR on the "My Dream Home" link above on the left hand side to let us know specifically what you are looking for so we can get you on our VIP List. These types of homes move quickly so make sure you send us information on what you’re looking for. The choice is yours and yours alone. One more thing. We keep a list on file at all times of serious people who are looking for a home. We first notify these individuals of new properties as they become available. 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 because they sell quickly. 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 on helping you find the home of your dreams. It costs nothing to explore your options.
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 properties 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 direct, not a Realtor. We’re free to work it out between ourselves without banks dictating the rules.
So, if you have a down payment and want a home of your own, click here.
The choices are simple:
Do nothing, and continue to make your landlord rich
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click here to look at our attention renters information.
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Continue to be stuck in a home you want to get out of
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Get the ball rolling by viewing our homes that
Are you tired of making monthly rental payments? Think of all the money you’ve wasted in rent over the last few years. What do you have to show for it? Home ownership 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. Wouldn’t it be great if some of these monthly payments could have gone toward the actual purchase price of your home?
We are not Realtors who are selling someone else’s homes, nor are we bankers or loan brokers who get paid to find you a loan. We’re actually the owner of lovely homes which are available for purchase. 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.
Remember, we own the homes. We can do whatever you and I agree upon 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!
