EASY OWNER FINANCE, NO CREDIT NEEDED 1) Buy with owner financing. You need ~ $24,100 total funds including down payment, closing costs and all fees. This will give you a mortgage of ~ $1,580/month including taxes and insurance. OR 2) Lease with Option to Buy. This allows you to move in now and buy later if you don’t have enough cash to buy now. You need $11,550 to start and your monthly payment will be $1,550/month (with $200 monthly applied to purchase). You have 35 months to work to owner financing. Or 3) Buy with your own financing or bank financing. Qualifying Income to Buy: You need to prove $3,500/month gross minimum income with no debt to qualify. If you have debt you need $3,500/month plus twice your monthly debt. For example if you have $100 in additional monthly debt you need $200 more in monthly income added to the $3,500/month. You’ll need more monthly income for the Lease with Option to Buy because you’ll need to save additional money during the rental period to successfully buy later, so you need about $3,800/month gross minimum income plus twice your monthly debt service costs. House Details: 1,500 square foot, 3 Bedroom, 2 bath, 2 car garage house in desirable location in the Meadowcrest subdivision in LaPorte, Texas. The house is in walking distance to both Lomax Elementary school (8/10 of a mile) and Lomax Junior High (2/10 of a mile). This nice brick house was built in 1977 and is freshly painted inside. The kitchen has beautiful granite countertops, an electric range, a stylish overhead rack to hang pots and pans with plenty of counter and cabinet space. Included are a brand new dishwasher and garbage disposer. The downstairs is all Saltillo tile floors including dining room, living room, laundry area and kitchen. You get some add-ons at no additional cost including a washer, dryer and refrigerator which are rarely included when buying or renting a house. The second story has brand new carpet, new stair railings and new ceiling fans in all 3 bedrooms plus new door hardware, switches and outlets throughout the house. The Master Bedroom has a walk in closet and attached Master Bathroom. The main bathroom has a double sink for multiple users at the same time. Also just installed is a new retractable ladder for convenient attic access. The fenced back yard is great for kids and dogs; has lemon, fig and kumquat trees and an 8’ x 16’ storage shed. The 2 car garage has storage space behind doors on the right wall, open storage on the rear wall, and a storage alcove on the left with shelving. One convenient feature is a whole house water shut off valve inside the garage. The water pipes were previously replaced with PEX water pipes so you don't have to worry about the water lines in freezing weather. The roof has architectural shingles and is in great shape at 8 years old The house is 100% move-in ready right now and looks great. No Credit Needed, No Banks, FSBO, ITIN is OK Why rent when you can own? Call me now discuss your needs. Matt Huber 832-630-6298
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