Freshley painted 4 bedroom 2 bath home with 2 driveways screened in rear porch and a nice back yard. About this home A wonderful ready to move in home! Come be impressed with the size of the master bedroom with a 10 x 7 walk in closet. Located in an area of newer homes and steps away from the NEW state of the art 49 court pickleball facility called Pictona!! 2008 roof, windows and AC, oak kitchen with new fridge, electrical update, newer interior paint, carpet and luxury vinyl plank flooring. Parking for 6 vehicles OR the toys!. 2 driveways also allow for boat and R. V space! Close to Tomoka Town Center, Tanger Outlets, I-95, I-4 and beaches!! tenant pays for all utilities no pets 1 year lease minimum Start your Home Ownership journey today! DAYTONA BEACH, FL Holy Hill,FL Home Price: $299,990 You can enter our Start your Home Ownership journey today! at any level depending on where you are in your life. The end goal is for you to purchase the home. We only qualify based on income, just like a bank (since the bank will require this). We help fix credit or other qualifying issues while in our program. We have 4 levels: BRONZE RENTER At this stage, you rent just like a normal renter, so no payments go toward the purchase price. This way you can enjoy living in your home while working to purchase it. At this level, we can help you save for a down payment through an extra amount each month. The end goal is for either us to finance the property to you or for you to qualify for a bank loan. This level requires first month's rent ($2,400) plus a reservation fee ($2500). $4900 total to move in. Monthly Payment: $2,400/month SILVER RENT WITH FIRST OPTION TO BUY Once you reach a 3.7% down payment ($11,100), you qualify for our Silver level. The reservation fee from Bronze counts toward this amount. At this level, we sign a lease with the first option to buy. This is a commitment from us that we will not sell the home to anyone else while you're in the program. It also shows your commitment to becoming a homeowner. Because FHA loans require 3.5% down, it's possible to become bank qualified at this level if all other qualifying issues are in order. Monthly Payment: $2,400/month (unless additional credits are added) GOLD OWNER FINANCING Once you've saved up 10% down ($29,999), we finance the home for you no banks required. All previous amounts from Bronze and Silver count toward this amount. Your payments at this stage go toward principal and interest just like a mortgage. The more you put down, the lower your monthly payment will be. Estimated Monthly Payment (based on 10% down and 9.5% interest): Approximately $2,294/month (P&I) varies based on credit, term, and final amount down. PLATINUM BANK QUALIFIED At this level, you qualify for traditional bank financing. This gives you the lowest monthly payment possible. You can refinance at any time once your credit and income qualify. Estimated Monthly Payment (based on 7% interest, 30-year loan): Approximately $1,916/month (P&I) varies by lender and rate SUPPORT PROVIDED DURING THE PROGRAM Referral to credit repair agencies to help you qualify Access to mortgage brokers to guide you toward bank qualification We assist with improving debt-to-income ratio, credit, down payment planning, and employment history guidance At any time during the program, if you become bank qualified, you can buy the home and become the homeowner! Homes like this go fast start your Home Ownership journey today!
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