Our Credit Policy
Our goal is to assist owners and tenants
in making contract decisions with full disclosure of credit rating and experience.
Credit Reports-
We obtain a credit report for all rental and lease/purchase applicants. We are committed to Fair Credit/Privacy Laws and maintain
your actual report in secure files as required by law.
Credit Rating- Your application is subject
to approval according to the owner's criteria. We are required to provide your credit status when submitting your tenant
profile for an owner's consideration. Minimum
Credit Rating- We do not have a minimum required
credit rating, as this is each owner's criteria. We do have owners who are willing to help those who have experienced
credit problems and/or currently have credit issues. Having your credit rating and tenant profile allows us to match you with
owners who can meet your needs. Financial ability- We do not have a minimum level of financial ability to assist you in seeking
a home. If you are low income or Section-8 we will work with you on locating homes within your budget.
We may
have suggestions for sources of assistance to meet your needs and will gladly provide any helpful information we have. We
reserve the right to deny any application which exhibits a greater risk than an owner may be willing to accept or that we
may be willing to recommend. If you have excellent credit and/or financial ability....GREAT....we protect your valuable credit
information and will be happy to assist you.
Your Tenant Profile
Employment-Income-Credit
Rating-References-Debt level-Number of Occupants-Pets-Lease Terms-Rent Amount:
We include these details in your
tenant profile which is provided to the owner of a property you are interested in renting or Lease/Purchasing.
Personal History- We will include personal and/or credit
history if you have items which need explanation to a prospective owner. We acquire this information during your credit interview,
where you have an opportunity to discuss situations and/or events that may have contributed to financial difficulty.
We are interested in helping you and our goal is to approach sensitive issues with understanding and willingness to help
you. This may prevent your embarrassment or uncertainty if you were working directly with an owner and eliminate the need
to explain difficult circumstances again if you are denied.
Progress- We will include in your
tenant profile any solutions which you are willing to apply to resolve your financial challenges.
Information assistance- If we have information which may be helpful
in your circumstance we will gladly share that knowledge with you. We are not credit counselors, but will provide contacts
of helpful agencies or services we may have knowledge of.
We reserve the right to deny any application which exhibits a greater risk than an owner
may be willing to accept or that we may be willing to recommend.
If you have excellent credit and/or financial ability....GREAT....we protect your valuable
credit information and will be happy to assist you.
Our Lease
Our lease is written based on the Landlord/Tenant Act and is protective
of both the owner and the tenant. While our services are flexible and we are willing to help you, however, we do uphold our
lease contracts. The law requires that we protect the owner’s financial interest and that includes eviction if you are
unable to pay your rent. Your lease is your 5 day late notice and you can be evicted on the 6th of the month if rent is unpaid
or a payment arrangement is not accepted.
If you violate your lease or damage the premises without payment of
damages, we will report eviction to the credit reporting agencies. This will make your challenge greater in gaining credit
approval in future contracts and applications for credit. For this reason we suggest you seriously consider the amount of
rent you can commit to and your willingness to pay before signing a lease.
Contact Us- Please feel free to contact us with any questions or concerns you may have regarding our
credit/privacy policies
