Old Town Property Services http://www.oldtownpropertyservices.com Need A Home? We'll Help You Find One! Sun, 10 Jan 2010 17:40:09 +0000 en hourly 1 http://wordpress.org/?v=3.0.1 Top Reasons to Buy A California House in 2010 http://feedproxy.google.com/~r/OldTownPropertyServices/~3/13eidieWmmU/ http://www.oldtownpropertyservices.com/?p=118#comments Sun, 10 Jan 2010 17:39:17 +0000 admin http://www.oldtownpropertyservices.com/?p=118 As the Southern California real estate market becomes more stable in 2010, here are the top reasons to buy a home now!

The first time homebuyers tax credit has been extended to April 30, 2010.

Existing single family home prices have increased 5.8% this past November 2009 compared to November 2008.

Houses are on the market for a shorter period of time.

Interest rates are still at near record lows.

California’s lifestyle, diverse climate, landscape, weather and culture make it a great place to buy a new home!

]]> http://www.oldtownpropertyservices.com/?feed=rss2&p=118 0 http://www.oldtownpropertyservices.com/?p=118 How Soon Can I Move? http://feedproxy.google.com/~r/OldTownPropertyServices/~3/gV4BJkX-efk/ http://www.oldtownpropertyservices.com/?p=109#comments Mon, 14 Dec 2009 19:13:28 +0000 admin http://www.oldtownpropertyservices.com/?p=109 How soon can I move into one of your homes?

med-homebuyer1We only show homes that are currently available.  So, if you see one of our homes that you like, you can generally move in right away.  

However, be sure to let us know your specific needs so we can find the property that best meets your needs.

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]]> http://www.oldtownpropertyservices.com/?feed=rss2&p=109 0 http://www.oldtownpropertyservices.com/?p=109 Will the price of the home go up? http://feedproxy.google.com/~r/OldTownPropertyServices/~3/pHd_2RUXXD8/ http://www.oldtownpropertyservices.com/?p=103#comments Mon, 14 Dec 2009 19:02:44 +0000 admin http://www.oldtownpropertyservices.com/?p=103 Will the price of the home go up?

med-homebuyer5No, the price of the home will not go up.   We freeze the price of the home for the duration of the lease option period (usually 24 to 36 months). 

At anytime during that period, you can purchase the home for the option price.  This way, you know the price of the home as you start working with your lender during the lease option time period.

]]> http://www.oldtownpropertyservices.com/?feed=rss2&p=103 0 http://www.oldtownpropertyservices.com/?p=103 Can I Buy The Home Before the End of the Lease? http://feedproxy.google.com/~r/OldTownPropertyServices/~3/xMkn4hHJqLw/ http://www.oldtownpropertyservices.com/?p=100#comments Mon, 14 Dec 2009 18:55:53 +0000 admin http://www.oldtownpropertyservices.com/?p=100 Yes, in most cases you can exercise your option to buy at anytime during the lease period.

On some homes, you’ll need to live in the home for the first 12 months before exercising the option to buy the home.

Get started today!

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]]> http://www.oldtownpropertyservices.com/?feed=rss2&p=100 0 http://www.oldtownpropertyservices.com/?p=100 How Much Down Payment Do I Need? http://feedproxy.google.com/~r/OldTownPropertyServices/~3/onC_A2pP7ZE/ http://www.oldtownpropertyservices.com/?p=96#comments Mon, 14 Dec 2009 18:44:22 +0000 admin http://www.oldtownpropertyservices.com/?p=96 How much of  a down payment do I need?

med-money1That depends on your monthly payment, gross income, bills and the price of the home.
With that being said, it can range from $2000 and up to $7500 for most houses. 

We can accept borrowed funds and you give you some time to make the down payment (up to 45 days).

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]]> http://www.oldtownpropertyservices.com/?feed=rss2&p=96 0 http://www.oldtownpropertyservices.com/?p=96 Using A Lease with Option To Buy http://feedproxy.google.com/~r/OldTownPropertyServices/~3/zM38Mv6JTx4/ http://www.oldtownpropertyservices.com/?p=93#comments Mon, 14 Dec 2009 18:34:16 +0000 admin http://www.oldtownpropertyservices.com/?p=93 While we can’t promise that we have just the home your looking for, we can tell you that we are always finding more homes and making them available.  We recognize the need that many families are facing, that is the need to bridge the time you need to build equity in a home and to meet the requirements of the convential home mortgage lenders.

med-webuyhouses240By providing financing for 24 to 36 months, we help you meet these requirements and give you the time to get your credit in order.

We’re property investors, we buy and sell real estate, so we understand the difficulties homeowners face when they try to get a loan.

If you contact us and give us your information, we’ll tell you whether we can help you or not. It may be a home from existing inventory, or it may be one we’re planning to buy.

Once you have given us your financial  information,  we start the process.  The reason we need the financial information is to assure as best we can, you’ll be able to purchase one of our homes at the end of the lease period.

Next, we show you several homes and go over specific terms of our  Home Lease Option or Rent To Own Program paperwork.

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]]> http://www.oldtownpropertyservices.com/?feed=rss2&p=93 0 http://www.oldtownpropertyservices.com/?p=93 Not So Perfect Credit? http://feedproxy.google.com/~r/OldTownPropertyServices/~3/qi1ubsjXYLg/ http://www.oldtownpropertyservices.com/?p=85#comments Sun, 13 Dec 2009 20:54:08 +0000 admin http://www.oldtownpropertyservices.com/?p=85 Banks and mortgage lenders are picky! They prefer to do only the easiest and safest loans. Trying to please them and jumping through all the hoops can drive you crazy!

med-WeBuyHouses13Perhaps one of these situations applies to you: bad credit, self-employed, short job history, past or present financial problems. Don’t worry, these problems don’t scare us! With our Rent to Own or Lease Purchase home programs, we will work with you to increase your credit and then you can actually buy the home and own it.

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]]> http://www.oldtownpropertyservices.com/?feed=rss2&p=85 0 http://www.oldtownpropertyservices.com/?p=85 Buy A New Home Without Bank Qualifying! http://feedproxy.google.com/~r/OldTownPropertyServices/~3/hG795FfhgYI/ http://www.oldtownpropertyservices.com/?p=81#comments Sun, 13 Dec 2009 20:31:16 +0000 admin http://www.oldtownpropertyservices.com/?p=81 Stop wasting your money on rent.   Move into a better home now. 

med-homes104Some people are tenants by choice, but most would prefer to enjoy all the benefits of owning a home!

We believe buying a home should be at the top of your goal list. 

Our unique approach to selling houses can help you achieve the reward of owning your own home faster and easier than going the traditional route.

Are you looking for a home in the Temecula, Oceanside, Murrieta, Palm Springs California area? 

Here are the benefits you can enjoy by working with us……

  • You Can Move Fast
  • Avoid Bank Hassles
  • Own Your Own Home Now
  • Work directly with a creative and flexible seller
  • Buy with no money down
  • Buy with a small down paymen
  • Quickly qualify for the best mortgage

Get on our Buyer’s List Today!

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]]> http://www.oldtownpropertyservices.com/?feed=rss2&p=81 0 http://www.oldtownpropertyservices.com/?p=81 We’ll Help You Find A Home http://feedproxy.google.com/~r/OldTownPropertyServices/~3/dg1b22EE_Ic/ http://www.oldtownpropertyservices.com/?p=64#comments Sun, 13 Dec 2009 20:15:30 +0000 admin http://www.oldtownpropertyservices.com/?p=64 We own several lovely homes which are available for purchase.  Since we own the homes, many times (depending on your circumstances) we are willing to finance all or part of the purchase ourselves. 

med-homes105All the normal rules concerning credit, debt ratio, proof of income and yes, even down payments are thrown out the window.  Since we own the homes, we can be very creative with the financing and structure it to fit your needs.

So, here’s what it comes down to.  If you’re truly interested in buying a home of your own, I’ll give you several options after this message.  If we have a home you like and you have something we can work with, you can be in a home in less than 30 days. 

Just be aware that if you have very bad credit and no money - unfortunately we probably can’t help you. 

On the other hand, if you have at least fair credit but little or no money – or if you have some money but have lost your credit, we can probably help you buy a home now.  Please let us look at all the facts before you decide that you can’t qualify.

 Remember, we own the homes.  We can do whatever you and we agree to make it work.  You can’t imagine how many folks are now in a home of their own because they let us work our magic.  Most thought they couldn’t qualify and could never buy a home.  They were wrong!

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]]> http://www.oldtownpropertyservices.com/?feed=rss2&p=64 0 http://www.oldtownpropertyservices.com/?p=64 Credit Issues? Can You Buy A Home? http://feedproxy.google.com/~r/OldTownPropertyServices/~3/nYz8aTH7oM8/ http://www.oldtownpropertyservices.com/?p=66#comments Sun, 13 Dec 2009 20:03:10 +0000 admin http://www.oldtownpropertyservices.com/?p=66 You Have Damaged Credit – Can You Buy A Home?   

Of course!  You’ll be glad to learn that you actually can buy a home with damaged credit.  In fact, it’s quite common.

med-homes100To do so often requires a flexible seller who is willing to help finance part of your purchase price.  You see, there are a lot of lenders who specialize in financing homes for folks with credit problems.  To reduce their risk, they may simply reduce the amount they loan.  This means the buyer must have a big down payment or the seller must be willing to finance the difference on a second mortgage. 

Getting you a loan is generally not a problem, however finding a flexible seller who doesn’t need all their cash immediately, may be more difficult. You may be surprised to learn how much of a home you can afford.  Generally accepted standards say that your new house payment added to all your other monthly payments, should not exceed about 40% of your gross (that’s before income tax) for you and your spouse.  Keep in mind, that does not include items like insurance, clothing, food, utilities, entertainment, etc. 

 You should add only those items with fixed payments such as cars, furniture, credit cards, mortgage, student loans, etc..  If an item doesn’t show on your credit report, it probably won’t count against you as a debt.    

  If You Can’t Easily Verify Your Income, What Options Are Available?If you feel you can’t buy a home, because you can’t verify your income, think again.  Some of our happy customers felt the same way before contacting us, but they found himself in the home of their dreams within 30 days.   There are several little known ways to verify income and many loans available that don’t require it.  In fact income verification is one of the easiest problems to fix in the home buying process.  

 If You Have Nothing To Put Down, Can You Really Get Financed?

It may surprise you to know we’ve helped other folks buy a home of their dreams with little or no money down.  Conventional wisdom says it can’t be done but conventional wisdom is almost always wrong.

Frankly if you have no money and very bad credit, there’s nothing we can do for you.  However if your credit in a reasonably good, and you have provable income, we have several programs available for you now.  These programs are brand new and not widely known and are designed to help good folks buy a home with little or no money.  

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