Wipe out your debts and live 100% Debt Free

Check out this very cool way to own real estate with no mortgages and no consumer debts.   This is a complete online training for FREE with no sales pitch!

http://www.FreeCashFlowEd.com/ede7936/debtfreewebinar.html

Providing Real Solutions for Real People

Are you making payments on a house you can no longer afford? Been transferred and need to sell quickly? Making double payments? Facing foreclosure? Inherit an unwanted home? Divorce? No equity”? House simply won’t sell? NEED TO SELL FAST FOR ANY REASON??? WE CAN HELP????

720-675-8137, We are here to assist you NOW. We buy all types of property, in all areas, in all types of condition and can close very quickly.  We may be able to pay your asking price!! Call 720-675-8137 to find out more about our exciting programs. It has been our experience that problems do not go away on their own. Call Today!!

Can't Qualify for a Loan? Rent To Own, Build Your Credit Score

Can't Qualify for a Loan? Move in now - Buy later

A rent-to-own, often called a lease/option, is a contract under which you rent/lease the home with a future option to buy, and it can be a brilliant choice for the family in need of just-that-little-extra-time to qualify for a loan. And with no guarantees in the real estate market, locking-in a purchase price will likely prove to be very advantageous.

The rent-to-own process

We will set a purchase price to the property, a payment, and the time frame within which you must obtain bank financing. A rent-to-own is not long term financing. You must qualify for a bank loan within 1 - 2 years. With you making payments on your lease, we will help you qualify for that bank loan.

Does any of my monthly payment go toward the purchase price?

In many cases, yes! You are building equity in your home while you rent. A portion of your payment will be deducted from final purchase price.

Is a down payment required?

YES. To have an option to buy, you must, by law, put money down toward the property, which goes toward the purchase price of the home. Your purchase price remains locked-in.

I have horrible credit. Can you help me?

Most likely, yes. Depending on how much you can afford as a down payment and just how bad your credit is, we may still be able to get you in a property.  As you make your monthly rental payments you will be building your credit score. We can put you in touch with a Credit Repair Specialist who can assist you during this time as well.

Will there be a Bank involved?

There will be no bank involved during the Rent -To-Own period. When you go to exercise your Option to Purchase, you will apply for a bank loan at that time.

Check out http://lionsolutionsgroup.com/welcome/rent-to-own/ for more information

Ten Myths about Credit Scores

If you’re a fan of TV’s “Mythbusters,” then you may already know the truth about many popular fictions – like how a heated Jawbreaker can explode when you bite into it, or that a home ceiling fan cannot decapitate you, or that your toilet seat is the cleanest surface in your house. While these are fun myths to debunk, knowing the facts of these fictional stories probably won’t affect your personal
finances.

What can impact your wallet is what you know – and just as importantly, what you don’t know – about your credit score. Your credit score is a three-digit numerical representation of your credit-worthiness, or how likely you are to reliably pay back money you borrow. It may seem simple enough, but credit scores aren’t always intuitive. Even when you think you’re doing the right thing
financially, you may be actually hurting your credit score.

When it comes to credit reports and scores, knowledge is power. Here are the real facts behind 10 common credit score fictions:

Fiction: The more money you make, the better your credit score will fare.

Fact: Your income has nothing to do with your credit score. It’s not reported to the credit bureaus or listed on your credit report.

Fiction: Once you’ve paid a past-due debt, it will drop off of your credit report.

Fact: Late payments and other negative information remain on your credit report for seven years from the date of the initial late payment. Bankruptcies typically stick around for 10 years from the bankruptcy filing date. While that black mark may continue to soil your credit report, however, its effect on your credit score will lessen over time.

Fiction: Credit bureaus never make mistakes.

Fact: Nearly eight in 10 credit reports contain a serious error or some sort of mistake, according to a survey by the U.S. Public Interest Research Groups. Because many errors can negatively impact your credit score, it’s important to check your credit report regularly and dispute any inaccuracies you find. 

Fiction: Practicing a cash-only policy will help your credit score.

Fact: Having good credit is a function of having credit available to you and using it responsibly. If you don’t have or use credit, you may have no credit history at all and if you do, your credit score won’t be as good as someone who consistently demonstrates responsible use of credit over time.

Fiction: All credit reports and credit scores are the same.

Fact: You have three main credit reports – one from Experian, Equifax and Transunion – plus a variety of credit scores. The information listed on each of your credit reports may vary and your credit scores – even if based on a single report – may also vary. No one credit report or score is better than the others. They all seek to document your credit history and assess your credit risk.

Fiction: How responsibly you manage your checking, savings and investment accounts will impact your credit score.

Fact: Like income, your checking, savings and investment account activity is not reported to the credit bureaus and does not affect your credit score.

Fiction: Closing credit card accounts will help your credit score.

Fact: When you close a credit card account, you may be affecting your “credit utilization.” Credit utilization is simply how much credit you use (balances) compared to how much credit is available to you (credit limits). Closing a credit card account lowers the amount of credit that’s available to you, which may increase your credit utilization percentage if you maintain balances on any of your other credit cards. A higher credit utilization may negatively impact your credit score

Fiction: Pulling your own credit report will lower your credit score.

Fact: When you pull your credit report for your own educational purposes, it’s considered a “soft inquiry” and will not affect your credit score. On the other hand, when a creditor or lender pulls your credit report for the purpose of extending you credit or a loan, it’s a “hard inquiry” and may negatively impact your credit score. (Learn more about credit inquiries.)

Fiction: If a bill or debt isn’t generally reported to the credit bureaus, missing a payment won’t affect your credit score.

Fact: Any time you pay a bill late or don’t pay at all, that activity can be reported to the credit bureaus. Different companies have different policies about reporting late payments or negative information, but never assume that just because you’ve never seen a particular bill listed on your credit report that it can’t negatively impact your credit score if you don’t pay it