Our home purchase program extends the opportunity to own one of our homes, even if your credit isn’t perfect. Our straightforward qualification process necessitates a down payment, a steady job, and a clean rental history without recent evictions. The homes may require minor improvements such as painting, landscaping, or updates, and the extent of these repairs is factored into the purchase price. We ensure all homes are cleaned and ready for your personal touch. You can arrange a home walkthrough “prior to” committing to any agreement. It’s important to understand that our home-buying program serves a dual purpose: enabling you to achieve homeownership while assisting in the restoration of your credit.


Engaging in a credit-building program in conjunction with your mortgage lender after purchasing a home is a strategic approach to improve your credit score and eventually qualify for a conventional loan. Here’s a step-by-step guide on how to make the most of this partnership:

  • Understand our Credit Building Program:
    Familiarize yourself with the specific details and structure of our credit-building program provided by our mortgage lender. Understand the timeline, expectations, and steps involved in improving your credit score.
  • Set Clear Goals and Targets:
    Work closely with our credit building program team to set clear goals for improving your credit score. We will assist you in establishing achievable targets within the specified timeline (e.g., 2-5 years) to qualify for a conventional loan.
  • Review Credit Report and Identify Areas for Improvement:
    Obtain a copy of your credit report and review it with our credit building program team to identify areas that need improvement. We will address any discrepancies or negative items that may be impacting your credit score.

  • Create a Customized Credit Improvement Plan:
    You will collaborate with the our team to develop a personalized credit improvement plan. This plan will outline specific actions, such as paying down debt, establishing a positive credit history, or disputing inaccuracies, to boost your credit score.

  • Implement Credit Building Strategies:
    Actively follow our credit improvement plan and implement the recommended strategies. This may involve making timely payments, reducing credit card balances, diversifying your credit mix, and more.

  • Regular Progress Check-Ins:
    Maintain regular communication and check-ins with our credit building program team. Provide updates on your progress, discuss challenges, and receive guidance on adjusting your approach if needed.

  • Financial Education and Counseling:
    Utilize any financial education resources or counseling offered through the program to enhance your financial literacy and responsible financial management habits.

  • Monitor Your Progress:
    Keep a close eye on your credit score and monitor your progress regularly. Celebrate milestones and stay motivated to continue improving your credit health.

  • Stay Committed and Disciplined:
    Stay committed to the credit improvement plan and practice financial discipline throughout the program. Consistency and responsible financial behavior are key to achieving your credit goals.

  • Prepare for Conventional Loan Qualification:
    As you approach the end of the program timeline, work with the credit-building program team and your mortgage lender to prepare for the conventional loan qualification process. Ensure you meet the necessary credit requirements and provide all required documentation.


Buying a home can indeed be a complex and overwhelming process, but having a clear and simple plan can make the experience much smoother. Before starting the buying process, here are a few things to consider:

  1. Assess your financial situation and decide how much you can afford for a home.
  2. Make a list of your must-haves and nice-to-haves in a home, such as location, size, amenities, etc.
  3. Consider the future, including potential changes in family size or lifestyle that might affect your needs.
  4. Meet the basic qualifications:

Once these things have been evaluated, you can begin the next steps listed below. 


  1. Complete the “Profile” form.
  2. Schedule a phone call with one of our team members
  3. Submit an application for background check (provided after the call)
  4. Prepare to quickly review the properties that we send you.
  5. Schedule walkthrough of the property
  6. If the property meets your desire, we move forward with the closing process. 


  1. Have a stable job for at least a year
  2. Prove income
  3. No evictions within the past two years
  4. No bankruptcies within the past year
  5. Have at “least” 10% of the purchase price for the down payment
  6. Willing to enroll in our FREE Credit Building Program

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