Rorey Bridgeman - Lease To Own

01/02/2024

Find out how to get help with the down payment to buy a home.

12/03/2023

Are you ready to turn your dream of homeownership into reality? We understand that one of the primary challenges many pr

08/04/2023

🏠 The Bridgeman Group at VPR – Your Bridge to Homeownership! 🏠

Struggling to secure a mortgage? Let us help!

🌟 Our mission: bridge the gap between renters and homeowners, providing exceptional service to help you achieve your goals.

🏢 Are you facing challenges like:

Recent life events (Divorce, Bankruptcy, Short Sale)
Mortgage loan denial
Self-employment
New city move
New career
Home loss during the recession
First-time homebuyer
Tax lien
Multiple jobs or household members with jobs

💡 Our lease-to-own program offers flexibility

Get fully approved
Receive a monthly budget for home search
No monthly payment above the approved budget

📋 Qualifications not as strict:

Down payment of 1-3% based on FICO score and factors
Example criteria:
Minimum FICO score of 550
3 months of stable employment or steady income
Debt-to-income ratio up to 50%
No evictions or bankruptcy in the past 12 months

🤝 No hounding, no pressure:
We work with multiple lease-to-own companies, offering personalized options for you. Contact us to discuss the best fit!

📞 4045144494 📧 [email protected] 📱 Text "HOME" to 4045144494

Your dream home awaits! 🏡 Let's make homeownership a reality!

11/22/2022

If you’re thinking of buying a home and living with siblings, parents, or grandparents, then multigenerational living may be for you. The Pew Research Center defines a multigenerational household as a home with two or more adult generations. And the number of individuals choosing multigenerational...

04/29/2022

If you’re in the market to buy a home this season, stick with it. Homebuyers face challenges in any market, and today’s is no exception. But if you persevere, your decision to purchase a home will be worth the effort in the end. In fact, a recent survey from Bankrate shows homeownership is so po...

04/20/2022

Life events can have a major impact on what you need from your home, and retirement is one of the biggest changes many of us face. This period of your life can mean doing more of the things you enjoy, like traveling, visiting with loved ones, or taking on new hobbies. But what does that mean for you...

04/14/2022

04/11/2022

If you’re buying or selling a home this year, you’re likely saving up for a variety of expenses. For buyers, that might include things like your down payment and closing costs. And for sellers, you’re probably working on a bit of spring cleaning and maintenance to spruce up your house before y...

03/27/2022

Here are descriptions of the lease-to-own programs.

A lease-to-own program, is a program in which you lease a home for a certain amount of time, with the option to buy it at a later date. Some programs allow you to even choose a new construction home. Look over the below options and let’s discuss the best option for you.

(Option #1)
•550 minimum FICO credit score (can use a co-applicant's credit score)
•$5,000 minimum monthly income (can use or combine a co-applicant's income)
•Need to provide 3 months of verifiable employment
•$550,000 maximum sale price
•Up-front cash needed is 1% -2% of the sale price determined by the credit score
•This up-front money would be applied toward the down payment when the applicant closes.
•The rent would be more than the below two options because 25% of the rent is a credit back at closing

(Option #2)

•580 minimum credit score (can use a co-applicant's credit score)
•5,000 minimum monthly income (can use or combine a co-applicant 's income)
•Must be employed. If self-employed will need two years of tax returns.
•$550,000 maximum sale price
•Up-front cash needed is only two months’ rent (refundable if lease terms are met)
•The Rent would be less than other two options because no rent is credited back to applicant at closing

(Option #3)
•500 minimum F**A credit score (can use a co-applicant's score
•$4,000 minimum monthly income (can use or combine a co applicant's income)
•Must have minimum of 12 months on time rental history. If self-employed will need two years tax returns
•$410,000 Maximum Sale price (or FHA limit
•Up-front cash depends on home price (3% down plus 1% non-refundable on-boarding fee)
•Some of the 3% down would be applied to you purchase price at closing
•Example: Up-front money needed and the amount credited back to applicant at closing
•*Rent would be more than option 2 because 10% of rent is credited back to applicant at closing
•(* the above options are subject to change)

Call, text, or email me to discuss your home leasing, buying, or selling needs.

09/28/2021

In today’s real estate market, buyers shouldn’t shop for a home with the expectation they’ll be able to negotiate a lower sales price. In a typical housing market, buyers try to determine how much less than the asking price they can offer and still get the home. From there, the buyer and selle...

07/07/2021

https://bit.ly/3ws8O4N

Home prices have increased significantly over the last year, which in turn has grown the net worth of homeowners. Appreciation and home equity are directly linked – as the value of a home increases, so does a homeowner’s equity. And with these recent gains, homeowners are witnessing their financ...

05/10/2021

A recent Survey of Consumer Finances study released by the Federal Reserve reveals the net worth of homeowners is forty times greater than that of renters. If you’re wondering if homeownership is a good investment, the study clearly answers that question, and the answer is yes.