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"Owning a house is something I never thought I could do. After renting through HELP, I now own my own home and have $40,000 in equity." Ken - Boise, ID
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Tired of paying rent?
We make it easy for you to move from rent to own.
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Low credit rating?
Here are some ways to raise your credit rating.
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(208) 938-4032
Call today for HELP to move from rent to own. |
No problem!
We cover closing costs and help you finance the down payment. Own your own home within the next 12 months.
If you would like to buy a home, but have poor credit and/or lack a down payment, we can help. We will purchase a new construction home for you, establish a lease agreement between you and HELP, and work with you to repair your credit. As soon as you qualify for a loan, you can purchase the home from HELP at the price you agree to up-front. Review the list of benefits of working with HELP.
STEP 1: Qualify as a HELP Client 3 Days
- Complete HELP’s one-page Application
- If you qualify as a HELP client, you will need to provide at least two of the following forms of income verification.
- Two most recent Federal tax returns
- Two most recent W-2s or 1099 Forms
- Paycheck stubs covering the past three months
- Bank statements covering the past three months
- Two most recent canceled checks indicating rent payment
- Help will notify you of approval within three (3) business days and will request two personal references
STEP 2: Select and Purchase a Home 30 Days
- Determine the price of the home you can qualify for using our calculators
- HELP has access to a selection of new construction homes. Select your favorite from among the available homes in your price range.
- HELP purchases the home and you sign a purchase option—meaning you can purchase the home anytime within 12 months at a price we agree upon up-front.
STEP 3: Lease the Home from HELP up to 12 Months
- HELP requires an initial deposit of $2500 (which is refundable when you purchase the home). Your only other payments are the monthly lease payments
- During the lease, you work with a credit repair specialist to help you qualify for a loan
STEP 4: Purchase the Home from HELP 30 Days
- As soon as your credit rating allows, you purchase the home from HELP
- Even though the property has appreciated, you purchase the home at the price we agreed upon up-front.
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