MissouriHomeowner.com Rent to Own Homes-RING IN THE NEW YEAR IN YOUR NEW HOME FOR AS LITTLE AS $999 ON SELECT HOMES!

RING IN THE NEW YEAR IN YOUR NEW HOME
FOR AS LITTLE AS $999 ON SELECT HOMES!
INCLUDING SOME NEW CONSTRUCTION HOMES!

ONLY 3 HOMES LEFT!!!
Bridle Spur Subdivision
Troy/Winfield/Troy Schools
MOVE IN BEFORE YEAR'S END FOR AS LITTLE AS $999 DOWN!!!

$139,900. Tremendous value and tons of room in this 1560 Sq. Ft. 4 Bedroom 2.5 Bath 2 story home in Troy/Winfield. These homes are located in Bridle less than 10 minutes from Hwy. 61/47 in Troy or Hwy. 79/47 In Winfield. All homes feature lush interiors with neutral colors to match any taste, full basements, including some with walkouts and plenty of room for expansion or storage, over-sized two car garage, maintenance free vinyl siding, energy efficient appliances and much more.

APPLY NOW

Our Rent to Own Homes and Owner Financing Program have created hundreds of Missouri Homeowners with Homes in St Charles, St Peters, O'Fallon, Cottleville, Weldon Spring, Dardenne Prairie, Lake St. Louis, Wentzville, Troy, Wright City, Winfield, Florissant, Hazelwood and other areas throughout the St. Louis, Missouri area.

MissouriHomeowner.com Rent to Own Homes

MissouriHomeOwner.com has now completed over 70 new homes with another 20 homes under construction right now. Workers are working and families are getting their own homes. This progress occurred because small business stepped up and took risk when many others sat on their hands and waited for the government to solve their problems.

We continue to strive to help good families achieve the joy of home ownership. These are families with good income and solid employment that are falling short of the much higher credit score minimums now required by lenders. This extreme constriction of lending has significantly increased the number of Americans who are being told they can't own their own homes. They are good people who not only deserve their own home but who will succeed at home ownership. They have good income and solid employment. So, at MissouriHomeOwner.com we are saying YES. Many of these families who will purchase their own home using our seller financing program will receive an $8000 tax credit as well.

MissouriHomeOwner.com is proud that real families who were told NO by the lending industry are now putting up Christmas decorations at their own homes. We are proud that roofers, carpenters, dry-wallers and painters will get a paycheck this Friday and be able to take the family out to dinner, buy new school clothes for their kids and put something in the collection plate at church this Sunday. This is what makes our country strong. Risk, boot-strapping, community concern, support of local businesses and good old-fashioned American made Capitalism.

And, to our fellow business owners, we say please STOP wringing your hands and watching the gloom and doom on the news. You must inoculate yourself with action to escape the paralysis of fear. This is a wonderful time to gain market share from your competitors who will continue to sit on the tracks as their largest fears and self-fulfilling prophecies barrel toward them. What an awesome opportunity to ratchet up your marketing machine and increase market share! What an awesome time to harness the power of the web and emails! What an awesome time to learn about guerrilla marketing! What an awesome time to walk into the center ring of the entrepreneurial circus!!!

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"with their help we have been able to get a home of our own once again....others ignored our cries for help...we could not sink any deeper...they really understood our situation....we could now see a glimmer of light at the end of the tunnel"
a family in Florissant

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"we thought we would never achieve home ownership....my husband was pretty skeptical....we knew the banks would laugh us out of the room....in less than a month we were in our own home"
family in O'Fallon

Missourihomeowner.com

MissouriHomeOwner.com



Dear Future Homeowner,

This page explains what is expected of you and what you can expect from us as we help you become a homeowner. Here are the steps you need to take to own your own home:

1. APPLY ONLINE

You will immediately receive an email confirming that your application has been received and requesting that you call us to schedule an appointment to finalize your approval. There is no application fee and no money whatsoever is paid until you submit an actual purchase agreement for the home you ultimately choose. And, that won't occur until after you are approved.

Approval usually occurs within 24 hours from your appointment with us and at that time you will know that exact approval amount of the home you are able to purchase. And, as an approved buyer you will get advance information on newly acquired properties long before they are advertised on our website or in the newspaper.

2. Drive by the new homes we offer and come to the open houses. (Usually on Sunday afternoons) We can answer questions and you can learn about the homes, neighborhoods and prices. We also will conduct private showings once you are approved.

3. After you are approved no money is due until you submit an actual purchase agreement for the home you've ultimately chosen. Upon submission of the purchase agreement $1250 is paid and credited towards your down payment. We will schedule a closing date to be held at the attorney's office or our servicing agent's office. Your remaining down payment balance and closing costs ($850) are due at closing in the form of certified funds, wire transfer, cashier's check, etc. No personal checks are allowed at closing. As soon as closing is complete you are given the keys to your new home.

We are able to extend, based on your credit and situation, an interest rate of between 7.9% and 10.9% and although this is lower than the interest rate offered to individuals with credit challenges by some banks and mortgage companies, we still encourage you to refinance as soon as you can to achieve an even lower monthly payment. Whether it is next year or five years from now, we will assist by reporting your on-time payment history when you apply for the new loan. We structure the transaction as a Contract for Deed that allows you to take possession of the deed once you rebuild your credit and refinance conventionally in the future.

4. Monthly payments are required to be automatically deducted from your bank account. This will occur on the same day every month and you must have sufficient available funds in your account to cover your payment each and every month. We are very strict about timely payment and make no exceptions to our enforcement of these. We charge late fees and bank charges if the bank draft doesn't clear and require the payment including the late fees to be made with a cashier's check immediately.

5. Your monthly payment will include both the principal and interest on a 30-year amortized and fixed rate loan. In addition, you will pay the estimated amount for taxes, servicing agent fees and insurance as part of your monthly payment. The servicing agent will escrow these amounts and disburse directly to the county tax collector and insurance company. There are no surprises at the end of the year.

6. This house is yours and you have taken possession of it in as-is condition. We will not pay any bills or reimburse you for repairs, maintenance or expenses. You can improve it, paint it, change the wallpaper, have more kids there, have pets, whatever. Bottom Line, we want you to enjoy your home, improve your credit and achieve the goal of refinancing.

7. If you still have questions please call John Cone at 636-336-0022 for additional information and assistance.

Talk to a Real Person: 636-336-0022
or email: info@missourihomeowner.com

Missourihomeowner.com Owner will Finance Homes

The Home Buyer TAX CREDIT has been EXTENDED AND EXPANDED!!

NEWS FLASH-November 6, 2009: The Worker, Homeownership, and Business Assistance Act of 2009 has extended the tax credit of up to $8,000 for qualified first-time home buyers purchasing a principal residence. It also authorized a tax credit of up to $6,500 for qualified repeat home buyers.

$8,000 First-time Home Buyer Tax Credit at a Glance

• The $8,000 tax credit is for first-time home buyers only. For the tax credit program, the IRS defines a first-time home buyer as someone who has not owned a principal residence during the three-year period prior to the purchase.
• The tax credit does not have to be repaid.
• The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000.
• The tax credit applies only to homes priced at $800,000 or less.
• The tax credit now applies to sales occurring on or after January 1, 2009 and or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, a home purchase completed by June 30, 2010 will qualify.
• For homes purchased on or after January 1, 2009 and on or before November 6, 2009, the income limits are $75,000 for single taxpayers and $150,000 for married couples filing jointly.
• For homes purchased after November 6, 2009 and on or before April 30, 2010, single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.
• More info
• The credit is claimed using Form 5405, which you file with your original or amended tax return. More info and forms from the IRS website.

The $6,500 Move-Up / Repeat Home Buyer Tax Credit at a Glance

• To be eligible to claim the tax credit, buyers must have owned and lived in their previous home for five consecutive years out of the last eight years.
• The tax credit does not have to be repaid.
• The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $6,500.
• The tax credit applies only to homes priced at $800,000 or less.
• The credit is available for homes purchased after November 6, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by May 1, 2010, the home purchase qualifies provided it is completed prior to July 1, 2010.
• Single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

• More info
• The credit is claimed using Form 5405, which you file with your original or amended tax return. More info and forms from the IRS website.

Missourihomeowner.com

This year Missourihomeowner.com has now completed over 50 new homes and another 30 homes are under construction right now. Workers are working and families are getting their own homes. This progress occurred because small business stepped up and took risk when many others sat on their hands and waited for the government to solve their problems.

We are proud that real families who were told NO by the lending industry are now putting up Halloween decorations at their own homes. Soon they'll be putting the star on the top of the Christmas tree. We are proud that roofers, carpenters, dry wallers and painters will get a paycheck this Friday and be able to take the family out to dinner, buy new school clothes for their kids and put something in the collection plate at church this Sunday. This is what makes our country strong. Risk, boot-strapping, community concern, support of local businesses and good old-fashioned American made Capitalism.

We continue to strive to help good families achieve the joy of home ownership. These are families with good income and solid employment that are falling short of the much higher credit score minimums now required by lenders. This extreme constriction of lending has significantly increased the number of Americans who are being told they can't own their own homes. We have met these families. We know their employers. They are good people who not only deserve their own home but who will succeed at home ownership. They have good income and solid employment. So, we are saying YES. Many of these families who will purchase their own home using our seller financing program on or before November 30 will receive an $8000 tax credit as well. There is talk of this incentive being extended. We support this effort.

The federal stimulus package passed in February has many detractors, but nearly everyone agrees that one provision — the $8,000 first-time home buyer tax credit — is working precisely as planned, stimulating demand amid record-high unemployment and economic uncertainty.

So it's crucial that when Congress returns from recess next week, lawmakers extend the soon-to-expire credit through 2010. And if they want to bolster the fledgling recovery, they'll expand eligibility. Let your elected officials know that you support this. The link below will allow you to send a message to them with just a click. Please be part of the solution and take part in our democracy now:

Send Your Message to Congress and other elected officials NOW

MissouriHomeowner.com Rent to Own Homes

First of all.....What does Rent to Own and Owner Financing really mean?

"Rent to own" is a generic term applied to many different types of non-traditional agreements and financing. There are many people using the term in a variety of ways and it doesn't always mean the same thing. In some cases, Rent to Own means that you are renting, and you might be able to own someday through an option to purchase. That is NOT what we offer nor do we think it is a good deal for you.

Our program is referred to as an "Installment Land Contract", "Escrowed Contract For Deed Purchase" or "Owner Financing Purchase". It allows you to own from the very start and enjoy the benefits and tax advantages of home ownership. This allows you to become a homeowner with the seller financing you directly. There is no bank qualifying required or outside lender involved. It is a private agreement between buyer and seller and is overseen by an escrow attorney.

There are two types of applicants that we most commonly help. Those with good credit that lack the down payment needed to purchase. And, those with less than perfect credit.

Here are the two programs we offer:

"Any Credit" Owner Financing-If your credit is challenged we can still help. With as little as a $1900 down payment we can finance the purchase of your home. This program is based solely on your income and job history. Your credit score will not affect an approval decision and you will not be turned down due to credit score. Just be 100% honest and totally serious and you will own your own home.

100% Owner Financing-Perhaps you have good credit and can get approved by a bank or mortgage company. But, you lack the large down payment that lenders are now requiring. We can help. We will finance 100% of the purchase price.

MissouriHomeOwner.com

Would you like to own your own home?
We can help you achieve your dream with our
Rent to Own Homes and
Owner Financing Program.

Have you been challenged getting a home loan because of:

* Damaged Credit or No Credit
* Good or Fair Credit but lack of a large down payment
* Self-Employed or Cash/Tip/1099 Income
* Bankruptcy/Foreclosure/Garnishments/Judgments
* Recent increases in down payment requirements
* Recent tightening of lending requirements

We will owner finance you directly based solely on your job history and income.
No Bank Loan Needed.
We have helped hundreds of families over the last decade.

Questions?
Talk to a Real Person.
636-336-0022
MissouriHomeOwner.com

Own Your Own Home Regardless of Credit Score. Photos and Info at missourihomeowner.com

Our Rent to Own Homes and Owner Financing Program have created hundreds of Missouri Homeowners with Homes in St Charles, St Peters, O'Fallon, Cottleville, Weldon Spring, Dardenne Prairie, Lake St. Louis, Wentzville, Troy, Wright City, Winfield, Florissant, Hazelwood and other areas throughout the St. Louis, Missouri area.

Our owner financing program allows us to finance your home purchase directly. No Bank or mortgage company loan is needed. And, no large down payment is required. Many families are able to own their own home with less than a few thousand dollars at closing.

We also offer brand new construction rent-to-own houses, lease to own property, lease purchase, lease option, rental properties, owner financing, houses for rent, homes for rent to own, apartments, town homes and duplexes for rent and other real estate listings in St. Charles County, Missouri.

Our Seller Financing program qualifies for the $8000 tax credit. But, only until November 30, 2009.

Visit our website for complete information and free online approval. Photos and Info at missourihomeowner.com Call 636-336-0022 to speak to a real person!!