Q: What types of homes are you looking for?
A: All types of single and multi-family homes. Your home doesn't have to be in perfect condition. We take the monthly burden of mortgage payments off your back, and take care of any repairs or maintenance.

Q: Why does your program work where others fail?
A: We are not looking to get rich off your house. We work on small profit margins, and that means more money to you. Most investors are trying to steal your home. This is how we are different. We never offer you less than 85% of the home's Fair Market Value. We like to buy homes we can later sell by offering flexible financing options to a buyer who would not otherwise qualify.

Q: How long does it take to close?
A: Depending on the number of qualified buyers who are interested in the home (newspaper ads, website listings, and open houses), usually four to six weeks.

Q: How do I receive my money?
A: Upon closing, money is usually wired directly to a local escrow attorney or title company for disbursement to you.

Q: How long does it take to get my money?
A: Your money will be sent upon closing, or shortly thereafter. Remember that it generally takes 4-6 weeks to close both purchase and resale transactions.

Q: Who pays the closing costs?
A: Generally speaking, closing costs are shared by both the buyer and property seller. They average about 6% of the Fair Market Value (FMV) of the property. Realtors normally charge much more.

Q: Is there a minimum or maximum home value that you will buy?
A: There is no maximum. Generally, we prefer to purchase homes with a minimum value of $100,000; however, we look at each home on a case-by-case basis.

Q: As a seller, what must I do next to receive a free Offer on my home?
A: If you are ready to sell your home fast and receive up to 95% of its Fair Market Value, simply contact us via telephone or e-mail and request a copy of our Home Seller Request Form. You can also download the form from this website. Once completed, we will meet with you briefly for a quick tour of your home. Within 24 hours, we will present you with an Offer which you may accept or decline. If you decline, we will still part as friends.

Q: Who benefits the most from your purchase of our home?
A: Property owners that have unsuccessfully tried to sell their properties for some time. Properties with odd shapes or non-conforming lots that don't generate much interest. Property owners that want to get cash quickly. Deals that have been turned down at the last minute by financial institutions and are just waiting for financing to come through. If you are in one of these categories, you need to talk to us. Remember, there is no cost or obligation on your part. E-mail us, give us a call, or print a hardcopy of our Home Seller Request Form; then complete the form and mail or fax it back to us.

Q: Do your investors lend money?
A: No, our investors do not lend money;however, they do purchase privately-held notes and mortgages secured by real estate.

Q: Do you charge for providing an Offer?
A: Providing an Offer is completely free and without obligation. You can call us anytime at 585-479-7606. Contact Us, or print a hardcopy of our on-line Home Seller Request Form --- just fill it out and mail or fax it back to us at 585-227-1317.

Q: I'm concerned about confidentiality, what shall I do?
A: You should always be concerned about confidentiality. You can be assured that your personal financial information will be kept private. We do business with a wide range of individuals and organizations that entrust us with very delicate information. Since our inception, we have never let them down!

Q: How can I be sure that I'm getting a fair price for my home?
A: Unlike the primary mortgage market (banks and other mortgage lenders) where you know exactly the interest rate and costs involved, the secondary market (that's us and our investors) sets the Offer based on a different set of rules. We also offer FHA-backed loans from a few mortgage lenders with whom we have established a good relationship.

As a general rule, most FSBO Sellers would receive between 85-95% of the Fair Market Value of their home as a lump-sum-of-cash at closing. Be rest assured that "no one will come close" to the Offer we can provide to you.

Q: As a prospective home or investment buyer with less than stellar credit, can I get the financing needed to purchase one of your listed homes or another home of my choice?
A: Yes; we offer flexible financing options to buyers who cannot qualify for a traditional bank loan because of credit problems. If you have a steady job and can afford the monthly mortgage payments, you most likely will qualify. We make the AMERICAN DREAM of home ownership a reality for as many families as possible.

Q: What are typical flexible financing terms for prospective buyers?
A: Assuming a property value of $100,000 or more, the following terms usually apply: 5 to 10% down payment, 6 to 7% interest rate, 30-year fixed mortgage, a credit score of 580 or more, a debt-to-income (dti) ratio less than 45%, and a steady job history. Of course, there may be some exceptions on a case-by-case basis.

Q: What about disclosures to both buyer and seller alike?
A: All TERMS of every transaction are fully disclosed to the buyer and the seller. There are NEVER any hidden charges or surprises when you purchase a home through us.

Q: Why does the service you provide for prospective buyers work whereas others do not?
A: Our program allows us to accept buyers with a variety of credit challenges. There is absolutely no better way for a buyer, with poor credit or little money to put down, to buy a home than our program. END OF STORY! Even if you experienced a bankruptcy, respossession, foreclosure, marital dissolution, etc., WE CAN HELP!.

Q: As a prospective buyer, what must I do next?
A: If you are ready to purchase a home fast, whether as a personal residence or for cash flow purposes, simply Contact Us and request a copy of our Home Buyer Request Form. Once you complete the form, you can mail, e-mail, or fax it back to us. You can also print a hardcopy of the form from this website directly from the comfort of your home.

If you don't see a home you like in our inventory, no problem. We can always contact the seller of a property you've identified and move forward.

Q: Do your investors buy residential notes and mortgages?
A: Yes, our investors buy residential notes and mortgages. For additional information, click on Great Links here.

Q: Do your investors buy business notes and mortgages?
A: Yes, our investors buy business notes and mortgages. For additional information, click on Great Links here.