Step One: Letter of Intent
Step Two: Rental Application
Step Three: Income Documentation
Please provide the following information to complete and to verify your rental application.
(Keep in mind we understand your credit isn't perfect, and you may have a blemished past. Don't worry. We are very understanding and will work with you)
(Keep in mind we understand your credit isn't perfect, and you may have a blemished past. Don't worry. We are very understanding and will work with you)
- Valid and Current Driver's License for Both Applicants
- Pay stubs or W2's or 12 Month Bank Statements or Tax Returns Proving Income for Both Applicants
- References for Your Prior Rental History for Both Applicants
- Background Check for Both Applicants Over the Age of 18.
- One Paragraph Explanation Letter (if applicable) for Any Challenges You Have That We Need to Be Aware Of.
- Please Submit All Documents (at one time) to [email protected]
Step Four: Pre-Qualification Letter
Finding a mortgage lender who actually understands what a Lease-Option ("Rent-to-Own") transaction is, and one who will work our tenant-buyers a year or two prior to them being able to qualify for a loan is next to impossible... until now.
Mr. David Ruch, the Owner and President of Nationwide Home Loans, Inc., New Millennium Homes, and Nationwide Homes Realty, is one of those very rare individuals who "gets what we do"and is a long-term thinker.
That probably explains his tremendous success.
Mr. Ruch has agreed to qualify all of our tenant-buyers prior to entering into a binding agreement with you, so you know from the start how long they need to qualify for a home loan. And he's agreed to provide you with a pre-qualification letter that assesses the tenant-buyer's:
Mr. David Ruch, the Owner and President of Nationwide Home Loans, Inc., New Millennium Homes, and Nationwide Homes Realty, is one of those very rare individuals who "gets what we do"and is a long-term thinker.
That probably explains his tremendous success.
Mr. Ruch has agreed to qualify all of our tenant-buyers prior to entering into a binding agreement with you, so you know from the start how long they need to qualify for a home loan. And he's agreed to provide you with a pre-qualification letter that assesses the tenant-buyer's:
- Current FICO score credit standing and determine what needs to be done to increase their FICO score and how long it will take
- What types of bank loans they are good candidates for
- What steps they need to take between now and the time their term will end in order to ensure they can qualify for a home loan
- And much more
Here's a little about Mr. Ruch:
- Multiple licenses include Mortgage Banker, Mortgage Broker, and Real Estate Broker in Colorado and California.
- Mr. Ruch’s career as a mortgage lender and real estate investor spans 33 years including ownership of Nationwide Home Loans for the last 20 years. Currently, he personally owns more than 500 residential units, including multi-family apartments, single-family residences and investment in lease options.
- Throughout the last thirty years, other investors have entrusted their money to his experience and long term expertise in making them a safe secure profit. Private Money Lending through high-yielding first trust deeds is the cornerstone of his investment policy.
- Conservative asset backed lending and investment in multi-family and single family buildings together with some commercial facilities provide a broad spectrum of opportunities for ample profit, firstly for his investor pool and secondarily his own business enterprises.
- Mr. Ruch takes pride in the fact that no investor has taken a loss not even through the last real estate downturn nor any of the other fiascos and recessions which occurred during his tenure.
In addition to ensuring our tenant-buyers are a safe bet for the sellers we deal with, our work doesn't stop there.
After one of our tenant-buyers has bought the Option rights from us, we even provide them with my very popular credit restoration book that has helped hundreds of people just like them, to restore much of their credit in as little as 45 days.
This helps to ensure that they can qualify to buy your home during, or by the end of, the lease term that you and the tenant-buyer agree upon.
Now that you've applied for your beautiful, "Rent-to-Own" home, why not start repairing your credit now to get a head start. You don't need good credit to buy our homes today, but at sometime in the future, when you go to qualify for a loan, you'll be so glad you started working on restoring your credit early. Learn how here.
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