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"Here Are The
About Our Program"
Hello Future Homeowner,
My name is George Sumrall. If you'd like to
buy a home, but canít
qualify for a conventional mortgage, youíve come to the
I'm 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 doesnít 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
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
perfect condition. Only a few of them are fixer upper
Many of these homes have beautiful new kitchens and master
bathrooms, big master bedroom suites, and big fenced in
yards for the kids and your
pets. Most of them have big 2 car garages and plenty of storage.
On this web page, Iím going to show you the simple steps you can
take to buy a home. These arenít difficult steps... they donít
take a lot of your time and, in fact, they can be pretty
exciting... especially when you start looking for your new
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
thought theyíd 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 weíll get you
started and get you the list of properties we have available...
if, on the other hand, you decide itís not for you, thatís no
problem... thereís no hard feelings. Itís really pretty simple and
Well letís get
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 canít get their houses sold or
maybe they just want to sell quickly... there are as many reasons
as there are sellers. It doesnít 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 arenít 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
a home, please click here.
We will make you an offer on your home within 24 business hours...
then you can take your time and decide if that offer is right for
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 Iím
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'll 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 Iím going
to move on to...
You Will Be Buying
Here is how we do it. We sell you the
property "Rent To Buy."
That means that you are
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 $1050 and the "Lease Option Fee" is
$2000, you will need $3050 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," donít 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 donít 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 weíd like you to talk to them. Now, donít
misunderstand... we donít 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 doesnít matter to us
how long it takes, but we donít want to put you into a program
that doesnít 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 canít do a loan for you right now... theyíre like
us... in it for the long term.
So thatís the first thing we are going to ask you to do... itís a
quick phone conversation that takes maybe 20 minutes... you donít
even have to go meet with them... and they keep everything
And by the way, there is nothing that we
havenít seen before... youíre not going to shock us, no matter how
bad your current situation. Remember, there were over 1 million
bankruptcies in the United States 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), theyíll pull your credit report to see if there are any
surprises, and then, theyíll 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
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, didnít
matter as much as you thought.
If this happens, itís 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...
with buyers as their main job... someone who isnít 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... thatís
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... thatís our
After you talk to our Mortgage Broker, we will send you an
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
There are two ways that we can do this.
want to sell you our properties. Every time we get a new property
in the area you are looking, weíll send you an email.
But hereís 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 itís "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
going to push you. We let you tell us when youíre 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 werenít 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 wonít push you... only
you know if the house is right for you. If
itís not, just wait... you may not get that one, but we are always
getting new property. We donít want you to be a hasty buyer...
only you know your
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... weíll 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
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 itís more accurate to
say that you can tell that itís NOT for you, by looking at
looks interesting to you, then itís 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 youíll 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 itís time to take the next step.
Before I go any further, let me ask you for a
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 hasnít
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... itís not fair to those folks if
people are knocking on their door all day.
Okay... letís move to the next step.
Itís 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 havenít 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. Itís also a lot of fun to have happy
Now... If you donít 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
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
monthís 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 itís
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,
donít want you to feel
pressured to make a decision before you are ready... we will
always get more properties next week if you arenít 100% sure of
Well thatís it. I hope Iíve answered all of your questions. If
not, feel free to email us. The only thing you need to do to get started is
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
weíve also had problems getting email through to AOL addresses. If
thatís all youíve got, thatís okay, but we want to make sure you
get the house listings when we send them out.
Hopefully the things youíve 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 isnít a charity, but
itís funny how the more
you give, the more you get. Itís Karma and the Golden
Rule all rolled up together. We will do our best to help you find
your dream home... but now itís your turn... itís time for you to
Just click here to fill out the "Buyer
Questionnaire." It'll 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
"Buyer Registration" is
100% free. You are not obligated to buy our properties
in any way... as a matter of fact we donít want you to buy our
properties if they arenít right for
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.