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We have found that a lot of these families are not ready to buy a house immediately for a number of reasons (e.g., waiting for a house to sell where they are moving from, the employee has not been with the company long enough to qualify for a mortgage, the families are saving for a down payment for a mortgage). These employees or executives come to us for their housing needs. We contract with these families until they are able to get a mortgage and either purchase our house, or one in the local area. It’s a unique way to buy and sell; and it is a win/win for all of those involved!
We are actually classified as real estate services; we are NOT realtors, brokers, or agents. We have a unique business model that allows us to help our clients, but NOT charge any commissions or fees.
Our focus is creating a customized solution for your situation. Yes, we have to make money to stay in business, but unlike a realtor who is usually focused only on his or her commission, we want to find a win/win resolution to your problem that benefits all parties involved.
For buying houses, we have closed on deals as quickly as 24 hours. This is unusual, though. We usually need 7-10 days to run a title search, prepare the paperwork, and get on the schedule at the local title company. For selling one of our houses, we can close as soon as you have your application submitted and down payment ready.
We offer lease option, rent to own, and owner financing where you can buy the home without having to qualify at a bank. A reasonable down payment is required, but the “red tape” is minimal and we can usually have you in a house within a week!
We are very flexible with down payment. We can offer you many options, and we will always do our best to work with whatever funds you have available. You can even start out on a lease purchase and then move to owner financing at a later date when you have the additional money. Keep in mind that “cash is king”, but we have the ability to do credit cards, valuable assets (e.g., newer paid off vehicles), stock/bonds, 401K funds, borrowed funds, etc. Our programs are known for creativity to get you into a home!
Yes we do. A lot of times if you are a bit short on down payment we can set up a monthly payment plan spread out over 6-12 months. A majority of the down payment is required, though, up front.
Unlike most lending institutions, we accept borrowed funds for closing. If you have a close friend or relative willing to lend you money for your down payment you can use that in our program. You may also be eligible to withdraw or borrow from your 401K to purchase a home without penalties. We also accept titles on newer, paid off vehicles; stock/bonds, credit cards, other valuable assets.
We can lease you the home with the exclusive right to purchase it at a later date. Our buyers love it because it gives them time to save up for a larger down payment; time to clean up past credit problems, time to sell another home, and also time to try out the neighborhood before buying. We are obligated to sell to you, however you are not obligated to buy. 100% of your option fee / down payment is credited towards the purchase price of the home, plus you may receive a rent credit (depending on the house) of the monthly payment towards the purchase price every month you pay your lease on time.
We are flexible with our terms to meet your needs. Typical interest rates range from 7.9% to 9.95% depending on down payment and application. All credit is accepted and applications are necessary to verify income and employment.
Whether you’re looking to buy your dream home, or sell your current home to move onto the next adventure, Tennessee Homes can make it happen. Tennessee Homes has experience and professionalism dealing in luxury, real estate, and high-end, dream homes. They have earned the reputation as one of the top real estate service companies in middle Tennessee. Tennessee Homes will put together a comprehensive plan outlining your goals and expectations and work with you 1:1 to create a strategy that fits your needs.