Live the American Dream of Owning Your Own Home!!
(Please be patient as there
are alot of images of houses to load on this page)
Easy Qualifying!
Very Little Cash out of pocket
to buy our homes!
This is NOT a Rent-To-Own Program
(But
you may need to rent-to-own if you can't qualify right away for a loan)
"Here's The Details
About Our Program"
Hello Future Homeowner,
My name is Stephen Anderson. If you would like to buy a home,
but don't think you
can qualify for a conventional mortgage, you've come to the right
place.
I am a real estate investor and I buy
and sell homes... I am not a
real estate agent. By using my special financing, you can buy a home from
us.
If you have a middle credit score of
580 or better, your monthly debts are less than 45% of your monthly income,
and you have at least 2 months of mortgage payments in the bank, it is
very likely I can get you a loan with one of our local financing partners.
They are small local banks that don't have the strict rules that the larger
banks have. They can offer you great terms and work with me in finding you
a home you can enjoy.
The reason my program works so well
is that I WILL GIVE YOU the necessary cash to close a deal. What
that means is if you don't have enough cash to pay for your down payment
on the loan or closing costs, I WILL PAY THAT FOR YOU!!
You may ask why am I doing this. Well,
we believe that *everyone* has a right to own their own home. Normally
I sell my homes to other investors at a discount. So if I sell you these
homes to you I can afford to pay your closing costs and still make a little
more money on each deal. And I get the joy of seeing a person/couple finally
getting a home they can be proud of!
If the homes I have available don't
suit your needs, I can still find you that will. We are constantly getting new homes in nearly
every area in St. Charles and St. Louis counties. And there are thousands
of houses on the market that are not selling, so this is truly a BUYERS
MARKET!!
Beautiful Homes Available
These are nice homes in nice areas with great neighborhoods
and excellent schools. Most of our homes are less than 10 years old and
in near perfect
condition. Only a few of them are fixer upper bargains. See the
current list below.
Many of these homes have beautiful new
kitchens and master bathrooms, big master bedroom suites, and big fenced in
yards for the kids
and your pets. Most of them have big 2 car garages and plenty of storage.
On this web page, I'm going to show
you the simple steps you can take to buy a home. These aren't difficult
steps... they don't take a lot of your time and, in fact, they can be pretty
exciting... especially when you start looking for your new home.
We make it very easy to own your own home... to have a place that
you can claim as your own and be a proud homeowner. Nearly every one of
our past buyers had been turned down again and again and again by banks
and mortgage brokers... even banks that advertised "bad credit okay." They never thought they'd
EVER be able to actually buy a home for themselves and their family until
they got into our program.
This web page will give you all the
details you need to get into your new home in as little as 30 days.
There is absolutely no charge for this
service, we make our money on the sale of the property. There is also
no obligation. If you like what you see, great,
let us know and we'll get you started working with our local banks to get
you qualified for a loan. If, on the other hand, you decide it's not for
you, that's no problem... there's no hard feelings. It's really pretty simple
and straight forward.
Well let's get started.
First
of all... let me tell you where we buy the properties we offer for sale.
We get lots of calls, every day, from
people who have homes they want to sell. If we think these homes will fit
the needs of buyers like you, we will purchase these properties and then
offer them to our "Registered Buyers."
We buy from sellers who, maybe can't
get their houses sold or maybe they just want to sell quickly... there
are as many reasons as there are sellers. It doesn't matter to us as long
as the deal we make solves the Seller's problem, is profitable for us and
is right for one of our "Registered Buyers."
We aren't in the business of taking advantage of distressed
sellers, but we have bought some homes that are in foreclosure and bankruptcy.
We believe that we make the most money by helping
people... and we sleep better at night because of it.
By the way, if you are interested in selling
a home, please click here. We
will make you an offer on your home within 48 business hours...
then you can take your time and decide if that offer is right for you.
So... since we are able to do this,
we end up with a lot of properties and we are constantly
looking for good people to sell them to. Fortunately for us, because of
this web site, we have a ton of people who want to buy our houses. In a minute
I'm going to explain how we will structure the home purchase deal with you,
but first I want to tell you the second way
we can help you find a home.
If what we are offering does not fill
your needs or if you feel there is just too much competition between our
buyers for the homes we do have, (since we have so many people in our program).
If you feel you would like to buy a house that we do not have for sale, we can
still help. Here is what you do...
Once you are registered with us, you
can also look at every home listed in the MLS, listed "For Sale By Owner"
or "For Rent" that is in the paper or has a sign in the front yard. If
you look at these properties and find 3 to 5 that you like, we can usually
get on the phone and put together a deal with the seller of at least one
of them that will make sense for you. Just let us know which properties you
like. I have a real estate agent that works with me to help you find these
properties.
I will
negotiate with the seller so that
we can structure the purchase in a way that will work for your situation.
These turn out to be win-win-win situations for the Seller, for us, the
middleman Buyer and for you, the end Buyer.
Okay... now you know how you are going
to find your new home... either through the list that we send out every
week or by tracking down a listed property in the MLS, "For Sale By Owner"
or a "For Rent" property. Now I'm going to move on to...
How We Structure The Deals
You Will Be Buying From Us
Here is how we do it. We sell you the property and we help
with the financing to get you qualified for a loan.
Each property is different and has a
different purchase amount. When you register online,
just tell us how much you have for the "down payment" and we will try
to only send you houses that fit those specifications.
For example, if you have $5000 for the "down payment" don't
ask for the list of $10,000 "down payment" properties... it will just disappoint
and frustrate you. We encourage you to be realistic about what you can
afford, so your payments don't stress you out.
It is our goal to help you qualify for
a mortgage and refinance the house, pay us off and put you on the deed.
We work with a very good, very reputable, very understanding
local banks... they are "good people"
and we'd like you to talk to them.
What we want to do, is find out
how soon you will
be able to qualify for a loan... for some people, you can get qualified
right away... for others it may be a few months.
If your credit score is not up to par, I have a company
that will, in a few months, improve your credit score so you can qualify
for a loan. Ask us about this option.
It doesn't
matter to us how long it takes,
but we don't want to put you into a program that doesn't give you enough
time to get on track financially so you can get a loan when the time for
that finally comes.
Our mortgage banker is excited about
doing your pre-qualification for a mortgage because they know that they
have a good chance of getting your business down the road when you are finally
able to take out a loan. They are not
going to be nasty to you like so many other mortgage banks, just because
they can't do a loan for you right now... they're like us... they're in
it for the long term.
So that's the first thing we are going
to ask you to do... it's a quick phone conversation that takes maybe 20
minutes... you don't even have to go meet with them... and they keep everything 100% confidential.
And by the way, there is nothing that we haven't seen before...
you're not going to shock us, no matter how bad your current situation.
Remember, there were over 1 million bankruptcies in the United State last
year alone... and a lot more people than that have bad credit. Our mortgage
banker will just ask you a few questions about your income and your job (or
lack thereof), they'll pull your credit report to see if there are any
surprises, and then, they'll be able to tell us exactly how long you are
going to need before you can get a home loan.
Just a side
note... and this is for maybe 10% of you out there. Sometimes,
we discover that you qualify for a home loan right now...
you may have thought that you had bad credit, but it turns
out after we look at your credit report that the bad things on your credit
that you thought were so bad, didn't matter as much as you thought.
If this happens, it's very cool because
now your options open up... you can buy virtually any home on the market
that is within your price range with our help. Of course, we would still
be happy to sell you one of our homes, but we also want to give you the opportunity
to see what else is available out there.
What we will do is connect
you up with one of our real estate agents... someone who works with buyers
as their main job... someone who isn't pushy, will take the time you need
to help you find a property and will hold-your-hand through the process.
We look very hard for good agents to connect you with... real pros. This
agent will either meet with you in person and sit in front of a computer
with you and pull you up listings or email you or they will snail mail you
the listings. Whichever you prefer.
But remember...
that's only going to be for about 10% of you who are reading this page.
What we REALLY do is work with the other 90% of you... that's our expertise.
After you talk to our Mortgage Banker,
we will send you an official "Buyer Registration And Qualification"
email. You are now officially registered as one of our potential buyers...
and remember... all this is FREE and
there is absolutely no obligation.
Now comes the fun stuff...
It's Time To Start Looking At Houses
There are two ways that
we can do this.
First... we want to sell you our properties. See the available
house s below. Every time we get a new property in the area you are looking,
we'll send you an email.
But here's the rub...
we have a lot of people like you who are actively looking for a home... and
we get more every day. So when we get a new home for sale, those homes move pretty quickly.
The problem for us was...
how can we be fair about this... and we thought about it for a long time.
Who should we notify about our new properties first? Should first notice
go to the people who are on our list the longest, the ones who are ready
to buy "right now," the ones we think will qualify in the shortest period
of time... on and on we went with this and we finally came up with what
I think is a pretty fair solution.
We just send the email
to everyone at the same time and then it's "first come,
first serve." Nothing else matters. First family who wants it and can
qualify, gets it.
Now you may not feel comfortable
acting quickly in the beginning and we sure aren't going
to push you. We let you tell us when you're ready to go. What happens
most of the time is, at first, when folks become "Registered Buyers" they
take their time, they look at the properties we have for sale, they let
a few pass by them because they weren't exactly what they were looking for
or they want to get comfortable with the process.
But then... after a while,
our "Registered Buyers" start
getting comfortable. They see what is available for the money they can
afford, they get to know the different neighborhoods... they get comfortable
with us and realize that we are for real and that we do what we say we
do and then... that is when they feel comfortable about making an offer
on a house on very short notice. We won't push you... only you know if the house is right for you. If
it's not, just wait... you may not get that one, but we are always getting
new properties all the time. We don't want you to be a hasty buyer...
only you know your comfort zone.
So... as soon as you get
your official "Buyer Registration And Qualification" email,
we will start sending you properties to look at. Sometimes we may only
have one or two a week... other times, we will have 15 or 20 a week. It
all depends on how many houses we bought.
So... we'll email you
the address of the property and a brief description of it. If it looks interesting
to you at all, we encourage you to go see it immediately.
Drive by... we find that 75% of the time, you can tell if a house is for
you by looking at the exterior and the yard and the neighborhood... or maybe
it's more accurate to say that you can tell that it's NOT for you,
by looking at the outside.
If it looks interesting to you, then it's time to take action and call us. One of our people
will schedule a time that is convenient for you both and show you the property.
They will get you inside so
you can look around at your leisure... check out the condition; get a feel
for the size and the layout.
Then, just sit down on the couch or the floor and soak it in and decide if this house feels like home. If it does...
if it pushes your buttons... and you'll know when it does... something
magic happens when you find a house that you know is going to be YOUR home.
When you decide, then it's time to take the next step.
Before I go any further,
let me ask you for a favor
in advance. If you drive to the house without one of our representatives,
please do NOT knock on the door. Someone may be living in the house...
it may be the previous owner who hasn't moved out yet, it may be a tenant
who is entitled to their privacy. Please, I ask again, do not disturb
the tenant. It just creates lots of problems for us because we have
so many people looking at these properties... it's not fair to those folks
if people are knocking on their door all day long.
Okay... let's move to
the next step. It's
time to fill out the paper work. When you meet with our representative
to view the property, they will bring all of the necessary paperwork. When
you say, "We want it!"... our representative will fill it out and explain
it to you.
Now... If you don't understand
the paperwork, please feel free to take it to your attorney before you
sign it. We will NOT pressure you to buy. We want you to be 100% comfortable
with your decision. This is a legally binding agreement and you only want
to sign it if you are fully and completely aware of what you are agreeing
to.
Our representative has
the authority to okay you as the new buyer of the home, but the only way
the agreement is sealed is when you put a $1,000 earnest deposit down with
the contract.
The reason we do this
is because we do not want to tie up the property in an agreement with someone
who ends up not being able to come up with the money or who needs more
time to make a decision. We may have others waiting in line for a chance
at that property and it's not fair
to them if we let someone tie up a property without being truly serious
or capable of closing. As I mentioned before, it really is "first come,
first served." With that said, you might want to drive to your bank with
our representative, right then and there when you sign the agreements and
have a cashiers check drawn up to "secure" the property for you and culminate the deal.
With all that said about
"Securing" the property... just remember, that we don't want you to feel pressured to make a
decision before you are ready... we will always get more properties next
week if you aren't 100% sure of this one.
Well that's it. I hope
I've answered all of your questions. If not, feel free to email
us or call Steve at 636-219-2795. The only thing you need to do to get
started is just
scroll down the page and fill out the online form. It asks a
few basic questions, gets your contact information and helps us get you
on the right path. Make sure to give us your primary
email address. We have had a lot of problem with free accounts like hotmail
and yahoo and we've also had problems getting email through to AOL addresses.
If that's all you've got, that's okay, but we want to make sure you get
the house listings when we send them out.
Hopefully the things you've
learned from this program has convinced you that what we offer is real, that we are real people with a desire
to help you achieve your goals. I tell all of the people who work with
me that, as a company, we are here to solve problems. "The more people we
help, the more money we make." Yes, we are in it for the money... this isn't
a charity, but it's
funny how the more you give, the more you get. It's Karma and
the Golden Rule all rolled up together. We will do our best to help you
find your dream home... but now it's your turn... it's time for you to take
action.
Just scroll down the web
page and fill out the "Buyer Questionnaire."
It will only take 5 minutes... 5 minutes that can change your life. As
soon as you do, the wheels start turning and our little machine goes into
action for you exactly like I laid it out. Remember, this "Buyer Registration" is 100%
free. You are not obligated to buy our properties in any way...
as a matter of fact we don't want you to buy our properties if they aren't right for you.
Thank you for reading
this (rather long) web page. Your dream of home ownership can finally be
realize if you just take action and get started now by filling out the form below.
Whatever you decide,
I wish you the very best of all good things.
Here is the current list of properties available for purchase in
our program.
23 Tinsmith
Ct, O'fallon
4 Bedroom
3.5 Bath 2 story, approx. 1700 Square Feet, Finished Full Walkout Basement,
Large Fenced Yard at end of cul-de-sac
169
Dusty Rose Dr, O'Fallon
4 Bedroom 2.5 Bath 2 story, approx. 1975 sq. ft.
SOLD!!!
900 Pettus
Place, St Charles
3 Bedroom 1.5 Bath 1.5 Story, Approx. 1935 Sq. Feet
SOLD!!!
343
Charlottesville, O'Fallon
4 Bedroom, 3.5 Bath 2 story approx. 2250 Sq. Ft.
SOLD!!!
512
Briscoe Ave. O'Fallon
3 Bedroom 2 Bath Split level, approx. 1700 sq. ft.
fenced back yard
1216
South Dr, St. Charles
2 Bedroom, 1.5 Bath Ranch approx. 950 Sq. Ft.
SOLD!!!
510 Oak Trail Ln, O'Fallon
4 Bedroom, 2.5 Bath 2,236 SQ. FT 2 Story on 3.62 Acres
SOLD!!!
Drive By and take a look at the houses and the neighborhood.
Remember we are getting new properties all the time. So if
these houses do not suit your needs, keep checking back to see what is
available. But the people that sign up for our 'buyers list' get the new
listings by email before I place them on this website.
If you
are interested in applying for our 'American Dream' program, complete the
following form:
Thank you for signing up!
We will contact you within 48 business
hours.
Best Wishes,
Stephen Anderson
click
here to mail us
Contact
Us
American Property Solutions
636-219-2795
Copyright 2006
