Frequently Asked Questions:

How can Hometown Dream guarantee I will be approved to buy a home?

What kind of conventional financing is available?

Are there homes for sale in my area that I can buy?

Will I need a Real Estate Agent?

What is a Lease with option to buy and how does Hometown Dream help?

What is a Contract For Deed and how does Hometown Dream help?

What is Hometown Dream all about?

 

Answer: How can Hometown Dream guarantee I will be approved to buy a home?

At Hometown Dream homes can be purchased with a lease option to buy, contract for deed or conventional financing.

Most of our applicants have some type of credit issues or no credit at all. Many have had bankruptcies and even foreclosures.

Our guarantee to you is as follows: You will receive a detailed Full Loan Approval or a Conditional Loan Approval from an accredited lender. If you are not satisfied with the services you receive your application fee of $29.95 will be mailed to you in certified funds within 24 hours from an accredited lender via the U.S. Postal Service.

Seven out of 10 of our applicants can become fully approved to buy with conventional financing within days or just weeks after applying.

Programs are available that require little to no money down that will help us provide you with the maximum number of homes and properties to choose from.

Your approval will include:

The lenders we work with don’t say no. Instead, they say how… how to put you on the fast track to homeownership. You will be provided the tools, information and guidance needed to put yourself in the right financial position to buy or refinance… … GUARANTEED.

If you’re tired of renting don’t delay get on the fast track to homeownership.

 

Answer: What kind of conventional financing is available?

Hometown Dream offers a fast track to homeownership designed to maximize the selection of homes you have to choose from while also helping you be able to move into your new home as quickly as possible.

Most of our applicants have some type of credit issues or no credit at all. Many have had bankruptcies and even foreclosures.

Yet seven out of ten of our applicants can become fully approved to buy with conventional financing within days or just weeks after applying.

Programs are available that require little to no money down that will help us provide you with the maximum number of homes and properties to choose from.

Upon submission your application will be reviewed by an accredited lender and consumer credit specialist. 100% of our applicants receive a transferable approval letter, the forms and contact information they need to clean-up their credit as needed, access to credit reports and a call from the representative that will be helping you.

The process is fast, simple and complete. Applicants usually need about 5 to 10 minutes to complete the questions. You never have to leave your home or office and will receive detailed results within just 24 to 48hrs.

SPECIAL LOAN PROGRAMS

If you’re tired of renting don’t delay get on the fast track to homeownership.

 

Answer: Are there homes for sale in my area that I can buy?

Upon submitting an application your fast track to homeownership is underway. You will be given access to homes available for sale in your area and if requested put in contact with a real estate professional that understands your situation and can help you.

Sellers and landlords will often agree to sell their properties lease option to buy or contract for deed based on the time it will require the buyer to gain full financing approval.

Seven out of 10 of our applicants can become fully approved to buy with conventional financing within days or just weeks after applying.

Programs are available that require little to no money down that will help us provide you with the maximum number of homes and properties to choose from.

Once the process is underway you will be prepared to begin making serious decisions.

Your full or conditional pre-approval letter is transferable which means you take it with you to buy any home that is in your price range. Your approval will include:

You will be choosing from the kind of homes as follows:

If you’re tired of renting don’t delay get on the fast track to homeownership.

 

Answer: Will I need a Real Estate Agent?

You will be shown online access to homes for sale in your area and if requested put in contact with a real estate professional that understands your situation and can help you.

Once you have been approved we will recommend a Real Estate Agent that will understand your situation, help you inspect these homes and complete your purchase as follows:

Step 1.  Making Your Offer

“Helping You Save Money…”

Step 2. Transaction Management

“With you every step of the way…”

Step 3. The Successful Closing

If you’re tired of renting don’t delay get on the fast track to homeownership.

 

Answer: What is a Lease with option to buy and how does Hometown Dream help?

Hometown Dream makes it possible for you to buy a home lease with option to buy. All Sellers would prefer prospective buyers to have conventional financing. However, sellers and landlords will often agree to a Lease with an option to buy if the prospective buyer/lessee has obtained a Conditional Pre-Approval Letter. The approval must be from an accredited lender and detail the requirements for full approval.

Within 24 to 48 hours after submitting your application you will receive your Approval Letter, which will include:

Pick up the newspaper just about anytime or go online; call on properties for rent or lease. Explain that you have been conditionally approved to buy a home and would like to lease the property with an option to buy. What you will find is about 1 out of every 2 landlords you speak with will want to help you.

But keep in mind 7 out of 10 of our applicants can become fully approved to buy with conventional financing within days or just weeks after applying.

Programs are available that require little to no money down that will help us provide you with the maximum number of homes and properties choose from.

Once approved you will have the entire housing market that is in your price range to choose from.

If you’re tired of renting don’t delay get on the fast track to homeownership.

 

Answer: What is a Contract For Deed and how does Hometown Dream help?

When a home is purchased for deed a contract is signed by both buyer and seller in which a property is transferred only after the buyer makes a certain number of monthly payments also called contract sale. Sellers will generally require that you have applied for conventional financing and have obtained a Conditional Pre-Approval Letter detailing the requirements for Full Loan Approval. You will receive either a Full Loan Approval or Conditional Home Loan Approval from a HometownDream.com participating lender within 24 to 48 hours, which will detail the following:

Keep in mind 7 out of 10 of our applicants can become fully approved to buy with conventional financing within days or just weeks after applying.  Programs are available that require little to no money down that will help us provide you with the maximum number of homes and properties choose from.  Hometown Dream will recommend a local Realtor and Title Company to help you complete the paper work and all the necessary detail of your purchase.

If you’re tired of renting don’t delay get on the fast track to homeownership.

 

Answer: What is Hometown Dream all about?

For most of us buying a home is more than a financial choice it is a decision to begin resolving the past so that we may begin building our future. Hometown Dream was founded to provide the solutions, alternatives and choices you need to buy a home.

Hometown Dream works with competitive lenders and other real estate professionals to maximize the selection of homes and loan programs that can be made available to you.

Today’s Homebuyers need answers to difficult questions.

Charles A. Adams of Topeka Kansas founded Hometown Dream. Mr. Adams has a wide-range of experience in the housing business. He has been a Mortgage Loan Officer, Real Estate Agent and Author of many consumer credit and debt related publications.

As a Mortgage Loan Officer, Mr. Adams began to recognize the demand prospective homebuyers had for solutions to their credit and debt related problems. Almost daily, loan applicants would express a desperate need for help. After an exhaustive and unsuccessful search for an affordable solution, Mr. Adams took on a mission to create a simple problem solving process that homebuyers could utilize when seeking loan approval.
 
"When you are a housing business your applicants should mean more than just a credit score... they’re real people, real families that need homes… Millions of honest, Americans have been rendered helpless…to meet their most basic living needs by credit and debt related problems. Yet when shown solutions… a path to a better life… they will take it”.

Charlie Adams

Founder, HometownDream.com

If you’re tired of renting don’t delay get on the fast track to homeownership.