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"Here Are My Program Details"
Hello Future Homeowner,
My name is Lloyd
Merrifield. If you would like to buy a home, but can't qualify for a
conventional mortgage, you've come to the right place.
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 have verifiable
income. We believe that *everyone* has a right to own their own
home.
We are constantly getting new homes in nearly
every area.
Beautiful
Homes Available
These are nice homes in nice areas
with great neighborhoods and excellent schools. Most of our homes are
less than 5 years old and in near perfect condition . Only a few
of them are fixer upper bargains.
Many of these homes have
beautiful new kitchens and master bathrooms, big master bedroom suites,
and big fenced inyards for the
kidsand your pets. Most of them have big 2 car 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 as little
as 7 to 10 days.
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 the list of properties we have
available... 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, maybe 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 72 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
end up with a lot of properties and we are constantly
looking for good people to sell them 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 Buyer 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 every week 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 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 buy 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 30 year mortgage with a bank. The minimum "Lease
Option Fee" that we accept is $2000 plus the first monthly lease
payment. So if the monthly lease amount is $2000 and the "Lease Option
Fee" is $2000, you will need $4000 to close the deal and move into the
house. Make sense?
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 fit those
specifications.
For example, if you have $5000 for the "Lease Option Fee," don't
ask for the list of $10,000 "Lease Option Fee" properties... it will
just disappoint and frustrate you. 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 now.
We work with a very good,
very reputable, very understanding mortgage brokerage... 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 broker is 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.
So 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 the United State
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 either meet
with you in person and sit in front of a computer with you and pull you
up listings or email you or they will snail mail you the listings.
Whichever you prefer.
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... as of last count, it was 183... and
we get more every day. So when we get a new home for sale, those
homes 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 property. 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. Sometimes we may only have one or two a week...
other times, we will have 15 or 20 a week. It all depends on how many
houses we bought.
So... 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 favour
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... for example: a wire transfer, a cashiers check or a
certified check... we can not 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 next week 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 down 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 down the web 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 "Buyers 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.
Privacy Statement - We will never use your
name, email address or any other information you give to for any
purpose except for the information you have asked for. We
value your privacy and will not abuse your trust and confidence.
