Manchester Tennessee has a low crime rate and is policed by Manchester Police as well as Coffee County Sheriff’s Office.  Because two state highways run through the town (Hwy 55 and Hwy 41), the state highway patrol also has a higher than normal presence.  This all equates to controlled and reduced crime for the city and security for all of its residents.  

The cost of living in Manchester Tennessee is lower than most of the urban areas of the state.  House and commodity prices are usually lower than one would find in Nashville Tennessee or Chattanooga Tennessee.  With the lower cost of living, the family dollar can go further for daily and long-term expenses.  

We offer a 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!

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 or other valuable assets.

We are very flexible with the 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 later when you have the additional money.

Keep in mind that “cash is king”, but we can do credit cards, valuable assets (eg, newer paid off vehicles, stocks/bonds, 401K funds, borrowed funds, etc). Our programs are known for creativity to get you into a home!

For selling one of our houses, we can close as soon as you have your application submitted and down payment ready.

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
• 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.

Yes, we do.

A lot of times if you are a bit short on the down payment, we can set up a monthly payment plan spread out over 6-12 months. Most of the down payment is required up front, though.

We are flexible with our terms to meet your needs. Typical interest rates vary based upon the size of your down payment and other factors we look at during the application process. All credit is accepted, and applications are necessary to verify income and employment.