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"Here
Are The Details
About Our
Program"
If
you would like to buy a home, but can’t
qualify for a conventional
mortgage, you’ve come to the right place.
Hello
Future Homeowner,
My
name is Jim Pellerin.
I am a real estate investor and I buy
and sell homes... I am not
a real estate agent. By using my special
financing, you can buy a home from us.
It does NOT matter if you
have bad credit, bankruptcy, late payments,
judgments, liens, tax problems or charge
offs, you can still buy one of our homes.
It doesn’t even matter if you don't have
verifiable income. We believe that *everyone*
has a right to own their own home.
We are constantly buying
new homes in nearly every one of the areas
we work in.
Beautiful
Homes Available
These are nice homes
in nice areas with great neighborhoods
and excellent schools. Some of our homes
are newer homes and are in excellent
condition.
Many of these homes have beautiful kitchens
and master bathrooms, a master bedroom
suite, and a nice yard
for the kids and your pets.
Some have garages and plenty of storage.
On this web page, I’m going to show you
the simple steps you can take to buy a
home. These aren’t difficult steps...
they don’t take a lot of your time and,
in fact, they can be pretty exciting...
especially when you start looking
for your new home.
We make it very easy to own
your own home... to have a place that
you can claim as your own and be a proud
homeowner. Nearly every one of our past
buyers had been turned down again and
again and again by banks and mortgage
brokers... even banks that advertised
"bad credit okay." They never
thought they’d EVER be able to actually
buy a home for themselves and their family
until they got into our program.
This web page will give you all the details
you need to get into your new home in
just a short period of time.
There is absolutely no charge for this
service, we make our money on the sale
of the property. There is also no
obligation. If you like what you
see, great, let us know and we’ll get
you started and get you on our potential
buyers list... if, on the other hand,
you decide it’s not for you, that’s no
problem... there’s no hard feelings. It’s
really pretty simple and straight forward.
Well
let’s get started.
First of all... let me tell
you where we
buy the properties we offer for sale.
We get lots of calls, every day, from
people who have homes they want to sell.
If we think these homes will fit the needs
of buyers like you, we will purchase these
properties and then offer them to our
"Registered Buyers."
We buy from sellers who, for whatever
reason, can’t get their houses sold or
maybe they just want to sell quickly...
there are as many reasons as there are
sellers. It doesn’t matter to us as long
as the deal we make solves the Seller's
problem, is profitable for us and is right
for one of our "Registered
Buyers."
We aren’t in the
business of taking advantage of distressed
Buyers or Sellers. We believe that we
make the most money by helping
people... and we sleep
better at night because of it.
By the way, if you
are interested in selling
a home, please click
here.
We will make you an offer on your home
within 24 business hours...
then you can take your time and decide
if that offer is right for you.
So... since we are able to do this, we
are constantly looking for good people
to sell these properties to. Fortunately
for us, because of this web site, we have
a ton of people who want to buy our houses.
In a minute I’m going to explain how we
will structure the home purchase deal
with you, but first I want to tell you
the second
way we can help you find
a home.
If what we are offering does not fill
your needs or if you feel there is just
too much competition between our buyers
for the homes we do have, (since we have
so many people in our program). If
you feel you would like to buy a house
that we do not
have for sale, we can still help.
Here is what you do...
Once you are registered with us, you can
also look at every home listed "For
Sale By Owner" or "For
Rent" that is in the paper or
has a sign in the front yard. If you look
at these properties and find 3 to 5 that
you like, we can usually get on the phone
and put together a deal with the seller
of at least one of them that will make
sense for you. Just let us know which
properties you like.
We
will negotiate with the seller
so that we can structure the purchase
in a way that will work for your situation.
These turn out to be win-win-win situations
for the Seller, for us, the middleman
and for you, the end Buyer.
Okay... now you know how you are going
to find your new home... either through
the list that we send out or by tracking
down a "For Sale By Owner" or
a "For Rent" property. Now I’m
going to move on to...
How
We Structure
The Deals
You
Will Be Buying
From Us
Here is how we do
it. We sell you the property "Rent
To Buy."
That means that you are buying
the property from us. We lease
the property to you for a specific period
of time, usually 1, 2 or 3 years depending
on your situation, and during that time
you have the option to buy it from us
at a price that we both agree upon when
you first move in.
You will also pay a "Lease Option
Fee" when you move in and lease the
house from us. This money will apply
to the purchase price of the home and
will reduce (usually
eliminate) your down payment
when you eventually take out a mortgage
with a bank. The minimum "Lease Option
Fee" that we accept is $3000.
Each property is different and has a different
"Lease Option Fee" amount. When
you register online,
just tell us how much you have for the
"Lease Option Fee" and we will
try to only send you houses that you can
afford and that fit those specifications.
We encourage you
to be realistic about what you can afford,
so your payments don’t stress you out.
It is our goal to help you eventually
qualify for a mortgage and refinance the
house, pay us off and put you on the deed.
Remember, you
do NOT have to qualify for
a mortgage today, only when you actually
take over the property, 2 or 3 years down
the road.
We work with several, very reputable,
very understanding mortgage brokers...
they are "good
people" and we’d like you
to talk to them. Now, don’t misunderstand...
we don’t expect you to be able to qualify
for a mortgage right now... after all,
that is probably why you tracked me down
and are listening to what I have to say.
What we want to do,
is find out how
soon you will be able to
qualify... for some people, it may only
be a few months... for others it may be
a year or two years or five. It
doesn’t matter to us how long
it takes, but we don’t want to put you
into a program that doesn’t give you enough
time to get on track financially so you
can get a loan when the time for that
finally comes.
Our mortgage brokers are excited about
doing your prequalification for a mortgage
because they know that they have a good
chance of getting your business down the
road when you are finally able to take
out a loan. They are not
going to be nasty to you like so many
other mortgage brokers, just because they
can’t do a loan for you right now... they’re
like us... in it for the long term.
Normally, that’s the first thing we are
going to ask you to do... it’s a quick
phone conversation that takes maybe 20
minutes... you don’t even have to go meet
with them... and they keep everything
100%
confidential.
And by the way, there
is nothing that we haven’t seen before...
you’re not going to shock us, no matter
how bad your current situation. Remember,
there were over 1 million bankruptcies
in Canada and the United States last year
alone... and a lot more people than that
have bad credit. Our mortgage broker will
just ask you a few questions about your
income and your job (or lack thereof),
they’ll pull your credit report to see
if there are any surprises, and then,
they’ll be able to tell us exactly how
long you are going to need before you
can get a bank loan.
Just a side note...
and this is for maybe 10% of you out there.
Sometimes, we discover that you qualify
for a home loan right
now... you may have thought
that you had bad credit, but it turns
out after we look at your credit report
that the bad things on your credit that
you thought were so bad, didn’t matter
as much as you thought.
If this happens, it’s very cool because
now your options open up... you can buy
virtually any home on the market that
is within your price range. Of course,
we would still be happy to sell you one
of our homes, but we also want to give
you the opportunity to see what else is
available out there.
What we will do is
connect
you up with a real estate agent... someone
who works
with buyers as their main job...
someone who isn’t pushy, will take the
time you need to help you find a property
and will hold-your-hand through the process.
We look very hard for good agents to connect
you with... real pros. This agent will
meet with you and show you listings that
are homes that you might be able to buy.
But remember...
that’s only going to be for about 10%
of you who are reading this page. What
we REALLY do is work with the other 90%
of you... that’s our expertise.
After you talk to our Mortgage Broker,
we will send you an official "Buyer
Registration And Qualification"
email. You are now officially registered
as one of our potential buyers... and
remember... all this is FREE
and there is absolutely no obligation.
Now comes the fun stuff...
It's
Time To Start Looking
At Houses
There are two ways that we can do this.
First...
we want to sell you our
properties. Every time we get a new property
in the area you are looking, we’ll send
you an email.
But here’s the rub... we have a lot of
people like you who are actively looking
for a home...and we get homes every day
to look at. So when we get a new home
for sale, those homes
will move pretty quickly.
The problem for us was... how can we be
fair about this... and we thought about
it for a long time. Who should we notify
about our new properties first? Should
first notice go to the people who are
on our list the longest, the ones who
are ready to buy "right now,"
the ones we think will qualify in the
shortest period of time... on and on we
went with this and we finally came up
with what I think is a pretty fair solution.
We just send the email to everyone
at the same time and then it’s
"first come, first serve." Nothing
else matters. First family who wants it,
gets it.
Now you may not feel comfortable acting
quickly in the beginning and we sure aren’t
going to push you. We let you tell
us when you’re ready to go. What happens
most of the time is, at first, when folks
become "Registered Buyers" they
take their time, they look at the properties
we have for sale, they let a few pass
by them because they weren’t exactly what
they were looking for or they want to
get comfortable with the process.
But then... after a while, our "Registered
Buyers" start getting
comfortable. They see what is available
for the money they can afford, they get
to know the different neighborhoods...
they get comfortable
with us and realize that we are for real
and that we do what we say we do and then...
that is when they feel comfortable about
making an offer on a house on very short
notice. We won’t push you... only
you know if the house
is right for you. If it’s not, just wait...
you may not get that one, but we are always
getting new properties. We don’t want
you to be a hasty buyer... only you
know your comfort zone.
So... as soon as you get your official
"Buyer Registration And Qualification"
email, we will start sending you properties
to look at.
We’ll
email you the address of the property
and a brief description of it. If it looks
interesting to you at all, we encourage
you to go
see it immediately. Drive by...
we find that 75% of the time, you can
tell if a house is for you by looking
at the exterior and the yard and the neighborhood...
or maybe it’s more accurate to say that
you can tell that it’s NOT for
you, by looking at the outside.
If
it looks interesting to you, then
it’s time to take action and call us.
One of our people will schedule a time
that is convenient for you both and show
you the property. They will get
you inside so you can look
around at your leisure... check out the
condition; get a feel for the size and
the layout.
Then, just sit down
on the couch or the floor and soak it
in and decide
if this house feels like home.
If it does... if it pushes your buttons...
and you’ll know when it does... something
magic happens when you find a house that
you know is going to be YOUR home. When
you decide, then it’s time to take the
next step.
Before I go any further, let me ask you
for a favor
in advance. If you drive to the house
without one of our representatives, please
do NOT knock on the door. Someone may
be living in the house... it may be the
previous owner who hasn’t moved out yet,
it may be a tenant who is entitled to
their privacy. Please, I ask again, do
not disturb the tenant. It just creates
lots of problems for us because we have
so many people looking at these properties...
it’s not fair to those folks if people
are knocking on their door all day.
Okay... let’s move to the
next step. It’s time to
fill out the paper work. When you meet
with our representative to view the property,
they will bring all of the necessary paperwork.
When you say, "We want it!"...our
representative will fill it out and explain
it to you.
It explains the move-in
date, the price, the terms, the monthly
payment, the length of the option and
it lays out who is responsible for what,
in the agreement and what happens if one
of us defaults on the agreement. One of
the valuable things we do is treat
you like the owner as soon
as you move in. We pretty much trust you
to take care of the property like it was
yours... after all, you are buying it...
you just haven’t got the deed yet. It
is in our best
interest to see you succeed
in the purchase of this home and that,
by the way, is how we make the most money.
It’s also a lot of fun to have happy campers
around.
Now... If you don’t understand the paperwork,
please feel free to take it to your attorney
before you sign it. We will NOT pressure
you to buy. We want you to be 100%
comfortable with your decision.
This is a legally binding agreement and
you only want to sign it if you are fully
and completely aware of what you are agreeing
to.
Our representative has the authority to
okay you as the new buyer of the home,
but the only way the agreement is sealed
is when you transfer the funds for the
"Lease Option Fee" and the first
month’s payment. We only accept certified
funds to activate the purchase agreement.
We cannot take cash.
The reason we do this is because we do
not want to tie up the property in an
agreement with someone who ends up not
being able to come up with the money or
who needs more time to make a decision.
We may have others waiting in line for
a chance at that property and it’s not
fair to them if we let someone
tie up a property without being truly
serious or capable of closing.
As
I mentioned before, it really is "first
come, first served." With that said,
you might want to drive to your bank with
our representative, right then and there
when you sign the agreements and have
a cashiers check drawn up to "secure"
the property for you and
culminate the deal.
With all that said about "Securing"
the property... just remember, that we
don’t
want you to feel pressured to make a decision
before you are ready... we will always
get more properties if you aren’t 100%
sure of this one.
Well that’s it. I hope I’ve answered all
of your questions. If not, feel free to
email us. The only thing you need
to do to get started is just
scroll back up the page and fill out the
online form. It asks a few
basic questions, gets your contact information
and helps us get you on the right path.
Make sure to give us your primary
email address. We have had a lot of problem
with free accounts like hotmail and yahoo
and we’ve also had problems getting email
through to AOL addresses. If that’s all
you’ve got, that’s okay, but we want to
make sure you get the house listings when
we send them out.
Hopefully the things you’ve learned from
this program has convinced you that what
we offer is
real, that we are real
people with a desire to help you achieve
your goals. I tell all of the people who
work with me that, as a company, we are
here to solve problems. "The more
people we help, the more money we make."
Yes, we are in it for the money... this
isn’t a charity, but it’s
funny how the more you give, the more
you get. It’s Karma and the
Golden Rule all rolled up together. We
will do our best to help you find your
dream home... but now it’s your turn...
it’s time for you to take action.
Just scroll up to the top of the page
and fill out the "Buyer
Questionnaire." It
will only take 5 minutes... 5 minutes
that can change your life. As soon as
you do, the wheels start turning and our
little machine goes into action for you
exactly like I laid it out. Remember,
this "Buyer
Registration" is 100% free.
You are not obligated to buy our properties
in any way... as a matter of fact we don’t
want you to buy our properties if
they aren’t right for you.
Thank you for reading this (rather long)
web page. Your dream of home ownership
can finally be realize if you just take
action and get started now by
filling out the form.
Whatever you decide, I wish you the very
best of all good things.
Best Wishes,
Jim
Pellerin
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Pellerin Realty Investments,
Ltd
Copyright 2003
