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Homeownership Program

 

​Credit* Loan* Home 

 

Credit * Loan * Home is a 1 2 3 step process that removes all home buying barriers and helps you reach your goal.

 

1. We correct any credit issues and structure your credit profile to meet the borrower's qualifications.

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2. We partner you with experienced mortgage companies ready to find the loan that fits you and your budget.

 

3. Our partnered realtors are ready to help you find the perfect home for you and your family, so you can close on time and in budget.

 

Unlike other homeownership programs, there are No letters to send, no classes, and no hassles. You just sit back and relax. This process leaves no room for failure. If you complete this program you will be a homeowner. ​

Own Now Pay Later  Program 

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SDC's homeownership program was established in 2015, with the goal of helping individuals and families achieve their home ownership goals without putting their financial security at risk.

We understand the financial demands associated with buying a home and our company puts the emphasis on our client's needs and not the bottom line.

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Our programs are designed to assist the homebuyer, not the mortgage company, bank, real estate agent or any other entity. That's what sets us apart!

 

Why Us

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To answer this question, let's start out with some basic truths about a lot of other programs out there....

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Most rent-to-buy programs are designed for you to never actually buy their homes. In fact, they are essentially just predatory lending programs that are only interested in your down payment and are structured so that you are likely to default and lose everything you have invested up to that point. They reclaim the home and repeat the process with the next unsuspecting customer.

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 Most programs also ask for upwards of 3% of the total home value

 

monthly.   Couple this with annual "property value" increases of 3-5% and your monthly payment can skyrocket out affordable range fast!

 The price you see initially is not the price you pay. 

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Remember that 3-5% annual increase we just talked about? Well, that initial $150,000 house turns into a $191,000 house at the end of 5 years! What does this mean for you? Aside from the $41,000 price increase, the likelihood of the home appraising for that value is very low, which means the bank will not finance the whole amount. "You" the home buyer will then be expected to come up with the difference to complete the purchase or face losing every dime you have invested thus far.

The price you see initially is not the price you pay. 

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This is a very UGLY scenario for any home buyer, but a very profitable business model for predatory home buying programs.

 

This is where we come in...

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Our program is designed for home buyers to actually buy their homes.  Now, let's look at some facts about SmithDotCo's program.

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We work with buyers who have less than perfect credit. Divorce, bankruptcy, layoffs, medical issues, life... Yes, life. These things all happen and we understand.

Down payments range from 3-5% depending on the home price, not your credit score.

Our program is only 2% of the total home value monthly.

And.... Our rates DO NOT increase annually!!

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What does this mean for you? It means that you pay the price for your home that you are supposed to pay. The very same price you negotiated at the beginning of our program.

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Now that you know why US. The question is, why anyone else?

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So What are you waiting for? Call  Now!

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