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Posted: Tuesday, May 15, 2012 12:24 AM


How to buy a new home without bank qualifying or a large down payment

Stop wasting your money on rent... or living in a house which doesn’t meet your needs. Discover how to move into a better home now!
(314) 260-6300 – 24 Hour Recorded Information

"We can't thank you enough for making it possible for us to own a home after our recent financial crisis...We thought we'd have to rent forever until we met you. Thanks to your extremely flexible and very fair terms we were able to move into our new home in less than 2 weeks... I've never had such a simple and pleasant buying experience."
– George and Suzanne Brown

"Thanks to you and your company we were able to buy a house now and get settled in and settle down instead of having to rent again…Your simple, straightforward and flexible buying plan is wonderful. You make it possible for people to buy houses that normally could not. You are honest and friendly..."
– Lance and Sarah Sue Ray

Dear Homebuyer,

Some people are tenants by choice. But most people would prefer to enjoy all the benefits of owning a home if at all possible. It can be the single most important investment you ever make. A lot of people's personal wealth is made up mostly from equity they've built through years of responsible home ownership.

We believe buying a home should be at the top of your goal list. And, we have a number of homes for sale right now with flexible owner financing. Our unique approach to selling houses can help you achieve the reward of owning your own home faster and easier than going the traditional route. Here are the benefits you can be enjoying by working with us:

You can move fast

When you buy a home from us you can move in quickly and easily. Most of our properties are available immediately. Get into one of our homes in just a few days with our flexible owner terms or set a date further out.

Compare that to buying an owner occupied home through an agent. How frustrating! First you have to qualify for a loan which could take 3 to 8 weeks. We require no bank financing. Then you have to coordinate your move subject to the schedule of the seller. Look out if the seller wants everything contingent on them getting into their new home. Their deal can fall through at the last minute stopping you or delaying you from moving in. That can become a nightmare if you've already lined up a moving van, or given notice to your landlord, or sold your previous home.

Avoid bank hassles

Banks and mortgage lenders are picky. They prefer to do only the easiest and safest loans. Trying to please them and jumping through all their hoops can drive you nuts. It is especially difficult when your credit is less than perfect or your debts seem too high to the lender. Or maybe you're self employed or new to the area.

(314) 260-6300 – 24 Hour Recorded Information

Our owner financing programs make buying easy.

You enjoy the peace of mind of having a solid move-in date. There are no last minute lender requirements to stop us from closing or moving you in. Depending on what you want and need, we'll make you a loan to buy or rent the home to you until closing. Start enjoying your new home even if you are still raising more money to put

If we decide the best option is to rent to you until we close, you'll have some breathing room and no pressure. We can then work with you to get a favorable bank loan or help you build up the down payment required to close with easy owner financing.

Own your own!

Don’t be forced to throw your money away on rent just because you need time to get a bank loan. Each month you get nothing but receipts...with no equity build up... no tax benefits... no appreciation... and no pride of home ownership.

Are you tired of maintaining and fixing up a house you don't own? Do you want more privacy in a bigger or better house?

Even if you don't have perfect credit... or a large down payment... or if you're self-employed, there are loans available for you. Whatever your current situation, there's probably a home loan that is just right for you. And we'll "walk across hot coals" to get you in one of our nice houses, even if it means financing you ourselves.

(314) 260-6300 – 24 Hour Recorded Information

Work directly with a creative and flexible seller

Start enjoying all the benefits of owning your own home. Have lenders and brokers told you that you can't qualify? We’re a local real estate investment company specializing in helping families buy a home without the normal hassles of going through the bank qualifying process. We have nice homes in all sizes, locations and prices. As the owner, we can offer several unique programs that can help you buy a home, even if you don't have the proper financial picture or credit history to please a bank.

Our lending criteria are vastly different from a bank’s. We'll take into account the circumstances that may have damaged your credit in the past. We'll fairly evaluate your present employment situation and currents debts. In most cases, we can find a method of financing you, getting you into one of our houses.

Buy with a small down payment

There are a lot of creative things we can do even if your credit is less than perfect... or you lack local employment history...or your income is hard to prove... or you have another house for sale... or you're stuck in a lease... or you've had a bankruptcy or foreclosure... or you have outstanding collections.

And when you don't have enough money down to close with seller financing, we have several other programs to give you immediate ownership benefits. Our "lease purchase" or "rent to own" program can get you into the home of your choice with a small down payment.

This program offers a creative way of helping you build equity and enjoy market appreciation. We'll then work with you to get you closed as quickly as possible with the best mortgage and terms. In the meantime, you can be enjoying your new home, sprucing it up how you want. Since you're in the process of buying the home, we have few concerns about smoking or pets. Then show off your new home and experience a new sense of pride. You'll have the time needed to qualify for traditional financing, establish your income, clean up your credit, build up your down payment or pay off debts.

(314) 260-6300 – 24 Hour Recorded Information

No reason to wait!

Many tenants are willing to live somewhere that does not reflect their preferred lifestyle because it's "temporary." Don’t put up with noisy, unkempt, and sometimes frightening neighbors, or inefficient heating systems or poor maintenance, or undesirable schools, or rising crime rates, or what about the landlord who shows up with little or no notice... even entering your home without your knowledge?

When you're in a home of your own, you have more freedom and peace of mind. You deserve to live better. Let us help you improve your lifestyle now! Stop living in a house that is too big or too small. Stop putting up with uncooperative landlords. Stop getting by in a house that’s too hard to maintain. And stop spending your hard-earned money on rent when all you have at the end of the year is a pile of receipts.

Quickly qualify for the best mortgage

The credit reporting services most lenders rely on can be unfair. Rarely does your credit report reflect your true ability to borrow money and keep your agreements. The Fair Credit Reporting Act gives you certain rights and the ability to reestablish damaged credit. We work with several top-notch companies who specialize in helping you raise your credit rating.

If your credit history needs improving, it may take 3 to 12 months to get you qualified for a very favorable mortgage through a bank or mortgage lender. The good news is that we may be able to get you into a nice home now while one of these companies can be handling your case. Our owner financing programs are designed to give you the time you need.

Another way we can help is to refer you to a professional mortgage broker who’ll examine your current income, credit and debts. Then they can tell you what’s available now or in the future. They’ll give you suggestions and a plan putting you in the best position to get approved. No longer will getting a new loan be a mystery. Having time and a plan to work on your financial situation can save you tens of thousands of dollars in the long run.

(314) 260-6300 – 24 Hour Recorded Information

Is owning within your grasp?

It's the American dream. Some people will never achieve it. But most people do not have the opportunity you have right now. Let us help you buy a nice home sooner than you expect. Get on our Buyer's List today! Let's see if we have an attractive home now that fits your budget and lifestyle. A home you can move into quickly and easily, with or without bank qualifying… with or without a down payment.

If one of the homes available now doesn't get you excited, then we'll keep looking, notifying you of our new properties as they become available.

There are two easy ways to find out if we have a home for you:

1) Go to

2) Call our 24 hour recorded message line: 314-260-6300

Let us show you how to overcome any home buying challenges you’re facing. There’s no cost or obligation. We don’t charge a fee to get you into one of our homes or to help you explore your options. Joining our Buyer’s List is free.

If you’re spending your money on rent now, or if you’d like to buy a better home, let us help you. We select several of our properties each month to sell for cash, with a new loan or with flexible owner financing. You may be able to get into a new home without bank qualifying, without a substantial down payment and (in some cases) with no money down.


Joe McCall
President, Chamberlain Holdings, LLC

Does all this sound too good to be true?

Here's some letters from buyers...

"If not for your rent-to-own program, we would still be throwing money away, month after month, on rent, with out working toward home ownership... Your program is perfect for people who, for whatever reason, want to own a home but can't get a mortgage right away."
– Mr. & Mrs. T. Clark

"...thank you for everything you did to get us in a house. We never thought it would happen so soon. This is something we have been hoping, dreaming and praying about. Thank you for making it all come true. We are so excited and anxious to move! It will be so great for our boys, a place for them to running around and be free... can’t thank you enough!"
– The Klug Family

"Well, it has been 2 weeks since we closed...we wanted to stop long enough to write you a thank you letter and express our sincere appreciation for everything you’ve done. There is no doubt in our mind if it wasn’t for you ... we wouldn’t be living in St Louis today. To be honest, at first I was skeptical of you…I thought all investors were scam artists, but I was wrong about you and your company. Not only did you sell us this house at a fair price, but you kept your word on everything you said you would do. Then after that you directed us to an excellent mortgage broker where we got financing for our home... we have learned to trust you for the person you are and would highly recommend you… thanks again for giving us a new start."
– Richard and Janice Doty

• Location: St. Louis, St Louis

• Post ID: 1485385 stlouis is an interactive computer service that enables access by multiple users and should not be treated as the publisher or speaker of any information provided by another information content provider.