Lease-Purchase, Seller
Financing

At JaScott Enterprises and the CD Hooker Team, we understand that sometimes life happens before we are ready. We have partnered with investors to create a program that will allow us to finance your home while getting things in order.

Good Things Come in 3s.

1

Choose Your Home

Start with our FREE application, work with one of our trained agents, and start shopping for the home of your choice!

2

Lease To Own

Our 3-year lease comes with perks! Our Success Program provides 24 months of financial coaching and credit repair throughout the lease to ensure you achieve homeownership.

3

Enjoy Home Ownership

When you are ready to convert to a homeowner, your purchase price is set as low as 1% above the home’s original cost when leased. Plus, our program gifts you the down payment when you are ready to purchase.

Recommended Lender

Thank you for your interest in JaScott. We’d like to introduce you to our recommended lender- Affordable Lending LLC With many years of experience in the industry and vast knowledge of programs and products, the LendingTree team can offer you more than just upfront and honest service. They will handle all your financing needs with care and accountability. Getting started on pre-qualifying or your online application is easy at Affordable Lending. We do recommend you reach out and get to know the team as well so they can provide you with the best course of action for achieving your home buying goals. For assistance in completing your application, or any questions about the lending process, please visit Affordable Lending LLC

Loan Types Available

Not sure what type of loan best suits you? Below are the main types of loans available for home financing:

Equity Loan Programs

Equity Loan Programs are available to applicants with lower credit scores (or with ITIN card rather than a social security card). A minimum 35-40% down payment is required. This may be for home only or land and home

USDA loans

USDA loans are loans specifically for rural areas. The US Dept of Agriculture regulates these loans, which are basically conventional loans. For more information, including eligibility, locations, and contact offices visit the USDA Rural Housing webpage.

Conventional Land/Home loans

Conventional Land/Home loans finance both the land and the home. This may be land that you are already purchasing, making payments on, or one that we help you to find. Some construction costs may be added in, but are not required as a condition of the loan.

FHA loans

​FHA loans are insured by the Federal Housing Authority. Like a conventional loan, they tie the land and the home together in the financing. However, with an FHA loan, there are certain requirements that must be included such as appraisals, surveys, engineered foundations, driveways, etc. These must be done through the retailer and may not be provided by the customer.

VA loans

VA loans are regular chattel or conventional loans that are insured by the US Dept of Veterans Affairs. You must be eligible and meet all the lender’s regular credit conditions in order to secure a VA loan. To check your eligibility, visit the US Dept of Veterans Affairs website. VA loans will be closed in our office with the appropriate agents depending on the type of loan.

Land/Home loans

​​Land/Home loans may be either Conventional or FHA. Construction improvements to the property, such as well, septic, grading, and foundation may be included in the home purchase price with a conventional land/home purchase and may be required on other loans. These loans are closed in our office using both our closing agent and a title company agent.

Conditions

Most lenders require basic information to proceed with loans on all financed purchases, particularly income verification and source of down payment. Here are a few more items that are commonly asked for. Note that if you are self employed, an immigrant, or have extenuating circumstances, other conditions may apply.

Credit Repair

Worried about your credit? Don’t be! We are affiliated with one of the top credit repair companies in the country.

Credit Requirement for Lender Financing

For customers who need financing, the biggest concern is if they will qualify. There are many factors involved, and each situation must be judged on a case-by-case basis. However, some basic factors are fairly standard.

Even if you do not meet one of these conditions, please fill out the form and contact Affordable Lending LLC Oftentimes, our lenders can work with individuals and families on a personal basis to overcome some of the credit challenges.