Dear Future Home Owner,

Welcome to your new home!

This is a great 4 bedroom 3 bath home in Queen Creek, AZ. The home is currently occupied, but will be vacant as of February 1.

I am willing to work with you on the financing to make it possible for you to purchase this home! If you're not ready to get a bank loan now, we'll figure something else out. There will be a down payment required, but I can provide seller financing, or we can do a lease option (rent to own). Please let me know what works best for you and I will try to work with you on it.

If you are not familiar with these terms, here's what they mean:

Seller Financing - Means that you don't have to get a loan from a bank, so there are no closing costs and no bank qualifying. The way it works is you just come in with your down payment, and then make monthly payments to the seller. Then you refinance at some point in the future when you're ready to qualify for a bank loan.

Lease Option - Means that you're not actually buying the house, you're getting an option to buy it at some future point. Also called rent to own. The way it works is you agree on a price and a period of time, and then you have the option to buy the house for that price during that period of time. Until you buy the house, you make monthly rent payments. For an example, let's say that you agreed on a 1 year lease option for a $270,000 price. You put 5 percent down ($13,500), and you make monthly rent payments of $1500 for one year. $400 of each monthly payment would go toward the purchase price. At the end of the year you can go ahead and purchase the home by paying the balance due, which in this example would be $251,700.

Queen Creek is in the Phoenix metro area, just south of Gilbert. The home was built in 2004 by Standard Pacific Homes. It is in a subdivision called "The Village at Santan Heights". Queen Creek is a great town -- it's in the Phoenix metro area, but just far enough away to be out of the hustle and bustle of the big city. You can learn more at the city's website (www.queencreek.org).

I would like to sell as soon as possible, so please make me an offer, or call me if you have any questions, 480-664-2193.

Thanks!
Nate

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Financing:

• No Bank Qualifying!
• Flexible terms!
• Seller financing available, as low as $1916 / month including taxes and insurance (depending on down payment).
• $269,000 purchase price.
• Lease option (rent to own) also available.

Directions:
From Phoenix, take US 60 east to Ellsworth. On Ellsworth go south about 12 miles to Hunt Highway. Turn left (heading east) on Hunt Highway, and go 3 miles. Turn right at Gary Rd, then take a quick right on Peggy Lane, a quick left at Hidden Canyon Drive (at the T), and then a quick right onto Tanner Ranch Rd.

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WHAT'S NEXT?

If you've read all the way down to here, you're probably pretty serious about getting into this home. If so, we can get things moving quickly. I just need you to email me the answers to the questions below. (By the way, some of these questions deal with your credit, and a few people have asked why I want to know about your credit when I said there was no bank qualifying. The answer is that even though there's no bank qualifying, there's still ME qualifying. But the good news is that it's a lot easier to qualify with me than with a bank. So don't be concerned, I just need to know your answers so I can figure out how we can best structure the deal to make it work for both of us.)

1. If things work out with this home, when would you like to move in?
2. What is your credit score approximately?
3. Are you planning on (A) getting a bank loan, (B) using seller financing, or (C) doing a lease option?

And if you answered B or C (seller financing or lease option) to the question above, please answer the following questions as well:

4. How much do you have to work with for a down payment?
5. How long of a period would you like the owner financing or lease option?
6. What is the most you would be comfortable with in a monthly payment?
7. When was the last time that you experienced an eviction?
8. When was the last time that you experienced a foreclosure?
9. When was the last time that you experienced a bankruptcy?
10. What is your monthly income?
11. How much are your monthly expenses?

That's it! Just email the answers over to me by clicking on "Send Seller an Email" above, and I'll get started on getting you into your new home!

www.owners.com/AWM9498