New Construction & Builder Inventory Homes (Specs)...

Yeah thats right. You can buy a luxury home with 5% DOWN if you have good credit but show no income (seller participation may be required) and for as little as 10% down with bad credit, a bankruptcy, or not showing any income. Depending on your financials, we may even be able to put together a deal for TOTAL LEVERAGE or ZERO DOWN (Seller participation may be required in some instances). How do we do it? Thats our specialty!

If you have awful credit and show no income on your income on your tax returns, we have about 30 homes in Scottsdale and Paradise Valley where the seller will finance the whole transaction with just 10% down. With good financials, I have seven lenders with Zero Down Payment loan programs. If you have bad credit or need a no income qualifying loan scenario. Two lenders will finance up to 80% of the purchase with the seller financing the remaining 20% and depending on your FICO score can achieve up to 100% financing on these loans. If you have a combination of bad financials, a bankruptcy, self-employed or stated income they may want to see 5% to 10% of your own funds in the deal and possibly the seller financing a portion of the purchase. Either way, I will find you a seller willing to finance a portion of their equity, so there is a lot of flexibility on the financing mechanism for you. I have been structuring transactions like this for 12 years.

It’s funny, I have had many clients in the past who thought that could not qualify to buy a home because of bad credit, a bankruptcy or were self employed. For example, I just helped the Quesada family buy a luxury home with just 10% down. The Quesada’s had a bankruptcy that was discharged less than 18 months previous and did not have a lot of new credit since the discharge. But because they showed a decent income and had 10% down, they were able to buy a home they really wanted.

The best part is when you retain me to help you, you pay me NOTHING! Most likely the homes I send you will be listed by another real estate agent or be a For Sale by Owner. Listing agents represent the Seller’s best interest and their fiduciary responsibility is to produce the highest price for the Seller. Buyers need proper representation. Someone, who will negotiate on your behalf, and look out for your best interest. This is what I bring to the table. I can and will represent you, look out for your best interest, and negotiate on your behalf, the best deal possible. And most importantly, it doesn’t cost one single solitary red American cent!

For the past 12 years, I have been helping people find the best buys of luxury homes with creative financing type terms throughout the entire valley marketplace. In fact, I just completed a transaction for the Vallentine family and got them a $440,000 home for just $360,000. The Vallentines are ecstatic and I would love to be able to do the same for you.

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