Lease with Option to Purchase - This program is for a person who has made up their mind to own a home.
In lieu of a security deposit, a potential homeowner pays for an option guarantee. The option amount is a minimum non-refundable amount equal to 3% of the purchase price of the home. The option guarantee will be applied as a downpayment on the purchase price of the house. The potential homeowner is typically given eighteen (18) months to close on the house from the date of move-in. 

The Lease with Option to Purchase program is ideal fro those interested in owning a home but who may need time to correct credit problems, are waiting to sell another home, are completing a divorce, etc. This program locks todays purchase price of the house in for a period of 18 months.

A resident on this program is responsible for maintaining the yard and landscaping plus all repairs on the house, you're not renting, you're buying.

Work for Equity Program - This program is for a person who does not have all the downpayment required for the Lease Option or Owner Finance programs.
The potential homeowner pays a Security Deposit and an Option guarantee. the option guarantee is either cash or work completed on the property being lived in. The option amount is a minimum non-refundable amount equal to 3% of the purchase price of the house. The 3% option guarantee will be applied as a downpayment on the purchase price of the house. The potential homeowner is typically provided eighteen (18) months to close on the house.

The work-for-equity program is ideal for those who may need to correct credit problems, are willing to sell another house, are waiting to complete a divorce, etc, and, can improve the property as outlined in the move-in agreement. This program locks the purchase price of the house for a period of eighteen (18) months.

To qualify the owner MUST maintain a work schedule as outlined in the agreement.

The potential homeowner is responsible for maintaining yard landscaping and all house repairs

Owner Financing - This program is for the person who knows exactly which house they want to live in and either isn't ready or doesn't want to pursue conventional financing.
In lieu of the Security Deposit, the potential homeowner pays an option guarantee. The option amount is a non-refundable amount equal to a minimum of ten (10%) of the purchase price of the home. The 10% option guarantee will be applied as a downpayment on the purchase price of the house. The potential homeowner is typically provided thirty-six (36) months to close on the house.

The Owner Financing program is ideal for those who need to correct credit problems, are waiting to sell another house, complete a divorce, etc. this program locks in the purchase price of the house for a period of 36 months.

The potential homeowner is repsonsible for all yard landscaping and all house repairs.

Under the Owner Finance program the buyer is provided with an agreement for deed and can claim all tax credits allowable by law.

Out Right Purchase - Under this Program, the Buyer purchases the house for the stated Purchase Price. The Buyer pays the Seller cash, which the Buyer obtains from either traditional lenders or has available from their own source.