Buy a Home
Let Us Show You How You Can Own Your Own Home!
If you can afford a reasonable down payment and monthly payments, you could easily qualify for one of our exciting home purchase programs. Good, bad, or ugly credit is OK!
Our Programs
Two Paths to Homeownership
Our easy-qualifying Lease with an Option to Own program moves you in today with a reasonable down payment and affordable monthly payments. We will work to help you qualify for traditional financing later!
Our American Dream Homeownership Program requires no bank financing and gives you all the benefits of home ownership — immediate occupancy, tax breaks, and the pride of owning your own home!
GJ Property Holdings is not a real estate agency and is not associated with one. Unlike Realtors®, we have a financial interest in the properties we sell, so we are much easier to work with and are very flexible on terms.
We Work With All Situations
These Problems Don't Scare Us
Choose Your Path
Three Ways to Find Your Home
We meet you where you are and help you get where you want to go.
Rentals
Clean, affordable 2, 3 & 4 bedroom single-family homes. Section 8 vouchers accepted. Note: Section 8 tenants are not eligible for Rent-To-Own or Owner Financing.
Learn MoreRent-To-Own
Move in today. A set purchase price is agreed upon and you pay monthly rent. 100% of your option fee is credited toward the purchase price, plus monthly credits for on-time payments.
Learn MoreOwner Financing
No bank needed. Verifiable income and a down payment required. Agreement recorded at the county courthouse to secure your ownership. This program is limited by State Law.
Learn MoreThe Process
How Buying Works
Five simple steps from inquiry to moving in.
Register Your Interest
Fill out our buyer registration form. Tell us about your situation, budget, and what you're looking for.
Review Available Properties
Browse our available properties and let us know which ones interest you. Our homes go quickly, so time is of the essence.
Schedule a Viewing
We'll arrange a walkthrough of properties that match your needs and budget.
Choose Your Program
We'll help you determine whether Rental, Rent-To-Own, or Owner Financing is the best fit for your situation.
Sign & Move In
Once terms are agreed upon, we prepare the paperwork and get you into your new home.
Apply Now
Apply for Your Dream House
Tell us what you're looking for and we'll match you with available properties. We respond within 24–48 hours.
FAQ
Buyer Questions
Do you arrange owner financing for the homes you sell?
Yes, we sell many homes with owner financing or by creating Rent-to-Own situations. We are not Bankers or any other Financial Institution. This program is limited by State Law. We also work closely with licensed mortgage brokers who work with many lenders to find the right loan for you.
Do I need to qualify to buy a home?
We are not extremely interested in your past credit status. Your ability to make reasonable monthly payments and your desire to be a homeowner now is what is really important to us.
How can I buy a home when I have bad credit?
You can't through conventional lenders, but you can with our help. We can set up owner financing or Rent-to-Own situations to help improve your credit over time. We also work with mortgage brokers who may be able to arrange a loan for you.
How much down payment do I need?
We are very flexible with your down payment. We can offer you many options and always do our best to work with whatever funds you have available. You can even start on our Rent-to-Own program and move to owner financing later when you have additional money.
What other methods of down payment are accepted?
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 with our programs. You may also be eligible to withdraw or borrow from your 401K. We also accept trades.
Do you offer down payment assistance programs?
Yes, we do. Many times, if you are a bit short on your down payment, we can set up a monthly payment plan spread out over 6 to 12 months.
What is the interest rate on your home purchase programs?
We are flexible with our terms to meet your needs. Typical interest rates range from 7.5% to 10.5% depending on your down payment and application. All credit is accepted and applications are necessary to verify income and employment.
Do you work with investors?
Yes, we can help whether you are just beginning or an experienced property owner. We can supply you with properties needing repairs at wholesale prices or those already repaired, with or without tenants.
Ready to Find Your Home?
Browse our available properties or contact us to discuss your options. Our homes go quickly — time is of the essence!