We Can’t Make You a Loan…

At Seller Will Carry and with the help of Avid House Buyers we have helped hundreds of Buyers successfully purchase homes, land, and mobile homes regardless of their bad credit or lack of credit and without needing banks. They came to us because institutional lenders told them, “We can’t make you a loan.”

Institutional lenders may not be willing to make a loan based on policies which relate either to the people concerned and/or the property involved. Examples would include but are not limited to:

PEOPLE PROBLEMS

Lenders tend to categorize people. People who fall into the categories listed below are frequently avoided by some lenders. Do any of these categories apply to you?

• Are you self employed?
• Do you have multiple real estate loans?
• Are you an active real estate investor whose income is primarily from rentals?
• Do you spend more than about a third of your monthly income for housing?
• Are your credit card plus car payments more than about a third of your income?
• Are you a nonresident alien?
• Have you had any credit problems?

PROPERTY PROBLEMS

Lenders always want to minimize their risk and they get picky on the condition of the property. Many times they don’t want to lend on a property if:

• The house needs repairs, which are easily fixable by a Buyer
• The property is vacant land
• It’s a duplex, triplex, quad, etc
• It’s in a rural area
• It’s a mobile home on land

And that’s only a partial list of reasons why institutions may say, “We can’t make you a loan….”

SOLUTIONS

For many buyers, buying with Seller Financing (aka Owner Financing, Seller Carry, Wraparound, etc) can make the difference between owning and NOT owning a home. If we don’t have what you’re looking for in our inventory in our FOR SALE page, we can still help you find, negotiate, and buy a home. Call or text us at (210) 343-1000 at any time to get you on the path to becoming a homeowner!

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