Amy Thomas, NC/SC Realtor®
(980) 505-7779
for homeownership?

4 Common Reasons

People "Think" They Can't Buy a Home

Payment Too High

Many people think rent payments are lower on the same size house than for a mortgage on that house.

Find out why they are wrong . . . 

Credit Issues

Many people have had credit issues. This makes people afraid to apply for a home loan, don’t make this mistake!

Find out what options you have . . .

Down Payment

Gone are the days when you had to have 20% down on a home purchase. Some loans require little money down. 

Find out what programs are available to fit your budget . . .

Not Ready To Buy

We have a program where you can lease your dream home, with an option to buy at a later time. 

Find out more . . .

Download the FREE Buyer's Guide Today

Rent Payments Continue to Rise

Mortgage Payments Remain the Same

As mentioned on the Keeping Current Matters website, “the results of the latest Rent vs. Buy Report from Trulia shows that homeownership remains cheaper than renting with a traditional 30-year fixed rate mortgage in the 100 largest metro areas in the United States.

Buying a home will guarantee that your housing payment will remain the same for the life of your loan! 

Do Not Disqualify Yourself Due to Credit Issues

Please contact a mortgage professional to get the true story on your personal affordability. Please note that credit card scores are VERY different than mortgage scores. Only a mortgage lender who has all of the pieces can give you an answer on purchasing now or waiting. Many lenders even have credit repair programs that they will help you with, so if you can’t buy now, you may be able to in the near future.

52% of Approved Loans had a FICO® under 750

Contact Amy Today (980) 505-7779!

Call Amy today to find out next steps to securing your new home!

Lower Down Payments

61% of Buyers Put Down 6% or Less

More choices of loan programs mean more opportunities to help you fulfill your dream of homeownership. Most loan programs are based on certain eligibility requirements.

  1. Limited funds for a down payment – FHA and Conventional loans require a down payment as low as 3 to 3.5%. Buyers who can take advantage of VA or USDA may qualify for 100% financing.
  2. Lower monthly payment – Buyers using Conventional loans and making a larger down payment (20%) are not required to pay private
    mortgage insurance, which adds to the monthly payment. Conventional ARM loans have lower interest rates for a fixed period.
  3. No established credit or past credit challenges – FHA loans maybe the best option for limited credit history or past credit issues.
  4. Credit score – Loan programs are available with credit scores as low as 620/640 (restrictions apply).
  5. Active duty military or veteran – VA loans offer 100% financing with no monthly PMI required.
  6. First-time homebuyer – FHA, USDA and NC Housing Loans may be your first thought for first time buyers. However, conventional loans have recently become more popular.

Download the FREE Buyer's Guide Today

Not Ready to Buy? Too Much Commitment?

Home Partners of America offers a Solution!

Home Partner of America offers a Lease with a Right to Purchase Program. This allows you to find a home that you want to rent from us initially, but may also like to buy in the next three to five years. They believe that there are many households who may be thinking about buying a home, but for whatever reason would like to rent at the current time. You can lease the home for three to five one-year terms, depending on the state, and you may purchase the home from Home Partners at any time at a predetermined price.

Let's talk about your options in home ownership today!

Contact Amy: (980) 505-7779