Homeownership provides shelter and security to families and fosters involvement and participation in community life. Homeownership also provides important social and economic benefits.

• A long-term investment
• Builds wealth
• Tax breaks

Many people who want to buy a home at today's low, low prices are still having difficulty qualifying for traditional bank loans. More than ever before, banks are requiring high down payments and high credit scores in order to approve a loan application. This is causing thousands of loan applicants to be denied from 'good' potential buyers who don't make the grade of the bank's 'perfect' buyers. Where can good people who are motivated home buyers turn to purchase a home anymore? The answer is owner financed homes.

There's no denying the tremendous interest in alternative home purchase financing. Although rent to own homes are a great concept, owner financed home sales are quickly becoming the preferred alternative to bank financing. The number of homes for sale with owner financing available is growing rapidly. Listings with "owner financing available" already exceeds rent-to-own listings almost 2 to 1. The growth in popularity is because owner financed homes solve the same issue as rent to own homes, that is, they allow the buyer to avoid traditional bank loans, and they do it better.

Owner financed homes go one step further than rent-to-owns because they avoid the lease option process and rental term. Instead, owner financed homes allow the home buyer to purchase right away. Since owner financing is more flexible than bank loans, home purchases can be negotiated with low down payments, affordable monthly payments and allow for varying credit levels.

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