***If You Think Buying A Home Is Not Possible For You, Read Some Of Our Success Stories Below***
November 2017 - After 4 months in the buyers program - and raising the score from 568 to 615 - another client will be looking at homes this week up to $285,000. Medical collections, late payments in 2016, and late payments on a mortgage that they only co-signed for didn't stop them. No credit problem is too big or too small for the buyer's program - with the right team working for you... (Spu**)
October 2017 - Pre-approval was just given to one of our clients!! Excitement is in the air... Scores started in Feb 2017 at 487, 512, and 522. Today after much work and dedication from the lender, our team and the committed client - their scores are 576, 601, and 603. They have overcome many obstacles to include: Chapter 13 Bankruptcy dismissed, open/unpaid collection accounts, high balance credit cards, child support in arrears, tax liens, recent late payments, wage garnishments, and more. They will be out looking at homes this week up to $400,000! Congratulations! (Cham*)
***After nearly 20 years in the business - what makes us successful is the fact that we have a true desire to help those who need it - that desire drives us problem solve, and to find the resources /lenders who can help us make homeownership a reality for as many as possible***
September 2017 - Met with the sweetest family about 90 days ago - Veteran with low scores, collection accounts, and payday loans - purchased the home of their dreams to include a POOL! The keys are waiting - the loan is in final stages and CLEAR TO CLOSE - will be the next words they hear! Less than 90 days from START to KEYS! (JBCB)
September 2017 - First Time Homebuyers closed this month on their very first home! The payment is less than they were paying in rent - and the advantages of homeownership are theirs to keep! No money down.... SWEET!
September 2017 - Veteran who owned a home before - but purchased during the height of the market and sold their home via short sale 2 years ago is buying again! Keys in hand and it's moving day - but settlement later this month. Nothing like getting to enjoy your home early! (TB)
September 2017- Closing today after renting-to-own their home for six months! They already have the keys - but today their names are being added to the deed! Excitement in this office for sure! Low credit scores and collection accounts didn't stop their dream from becoming a reality. (JCCH)
September 2017 - One of the best words we can share with a client is "Pre-Approved"! The kids are back to school - but 5 new families have already begun planning to buy their new home this week. Low credit scores, bankruptcy, repossessions, late payments, and other problems have not prevented them from working with our team and preferred lenders to purchase a home..... ASK US HOW.....
August 2017 - Sold a home to a family in 2014 following troubled credit. In 2017 - the buyer passed away... we are helping the family walk thru the process of selling the home. Cutting fees and commissions to help the heirs avoid bringing money to closing.... we stand behind our clients! We strive to create life long relationships with our clients - rather than just make a quick sale. (TV)
August 2017 - Low credit scores, foreclosure, and collection accounts didn't stop our client(s) from buying a home in a lake community! A six month rent-to-own process - working with our team and lenders - has given them a 'second chance' at home ownership. So happy for them! (CH)
August 2017 - A family of 7 gets to move into their new home this month - while they wait to finalize the purchase in September. A short sale 2 years ago has not stopped them from owning a home again. Our preferred lenders and team have helped them realign their credit to meet the mortgage industry standards - and now they reap the reward of their effort by moving into the 5 bedroom 4.5 bathroom home on 1+ acres.... I love helping families realize their dream of home ownership - AGAIN!
August 2017 - Veteran who lost their home two years ago - and moved into a rent-to-own home soon after, with the help of our team - is closing today and buying their home after working with our team and preferred lenders to restore their credit... two long years have passed and it has been a journey - but today they are signing papers to own a home again! It has been alot of hardwork - but it's paying off! Congratulations! (KD)
August 2017 - A family came to us wanting to buy a home with average credit scores and very little money in their pocket to buy a home. They had been working with another agent and lender only to have their hopes dashed - at the last minute - by the loan being rejected. Our team and preferred lender was able to pick the file up and get them approved for the home of their dreams - with NO MONEY DOWN. Today they are moving into their new home with less than $500 out of their pocket. (DC)
July 2017 - Pre-approval granted today for a $225,000 loan!!! Brand new construction to begin very soon in Ruther Glen - contract being negotiated! This family started working with our team and preferred lenders only 5 months ago with a 498 score. Today, their score is just under 600 - and a brand new home will be theirs in no time!!! Call us! (MRKG)
July 2017 - It's almost August and many families are getting the keys to their new home this week! Yay!!! We are so very proud of all of them - as they set a goal to own a home - and with some guidance through our PROGRAMS and preferred lenders - they have succeeded! Three new families gaining keys this week to their new home. A chapter 13 bankruptcy did not prevent two of those families from owning while still paying the payments within the Chapter 13. The other family is in a pending foreclosure - but was able to buy anyway using their spouses VA eligibility. Give us a call - it's worth a conversation to see what options you may have!
***NOTE*** To purchase a home or to raise your score, that doesn't instantly mean that you need to pay or correct every negative item on your credit report. Did you know there are loan programs available that will allow for many things to remain open and unpaid? Collections? Perhaps you could buy anyway? Judgments? Perhaps they can remain unpaid? Bankruptcy? Not the end of the world- just need to restructure and you can buy within 2-3 years and sometimes within 12 months... let's see what the lender thinks of your situation? Call us....
July 2017 - Rental application accepted on a $1800 rental despite less than perfect credit. Scores below 600 - and owns a home out of state with several mortgage lates reporting. Difficult credit doesn't have to stop you from living your life .... (VH)
July 2017 - Another active Chapter 13 Bankruptcy - still making payments - but pre qualified to $400,000+/-. Looking forward to their new home in the next few weeks..... Bankruptcy does not need to stop you from owning a home... Ask us how! (QB)
July 2017 - Relationships are formed as The Petry Team and clients work together to overcome obstacles that have prevented the cleints from buying a home. We aren't just looking for the 'next sale' - we are looking to help families buy the home of their dreams despite the difficult path they may have had to walk in life. We are looking for life long relationships to be formed ~Foreclosure, short sale, repossessions, collections, judgments, tax liens, late payments, medical collections, other~ let's take a look! Call or Email Today at (540) 809-7548 or Bernasells2u@aol.com. Texting to (540) 809-7548 is a GREAT way to reach us too!
July 2017- Another pre-approval has been granted and another family are out shopping out homes today! $400,000+/- pre approval and keys to their new home within 45 days! Yay! Scores starting at 518 and 515 ending at 580 and 615. Tax liens, credit card collections, late payments, student loan collections, accounts in dispute, auto repossession, high DTI, medical collections, did not stop this client from gaining pre approval within 90-120 of our first meeting! The buyer's program works - thanks to the experience of our preferred lenders and the teamwork from all! Looking forward to giving them their new keys! (TG and MR)
Note from The Petry Team: There is absolutely nothing that should stop you from owning your own home! If you have enough income and have been employed for atleast 2+ years - past credit problems should not be a stumbling block! Sometimes what you think may be a problem - turns out not to be a problem at all.... Would you like to find out? Call, Text, or Email Today! (540) 809-7548
June 2017 - Disabled Veteran just received a Clear to Close and will be signing the final documents later this week!! Low credit scores and three judgments totaling $4,000+/- didn't stop him from buying the home of his dreams! The home appraised for almost $15,000 more than he paid for it - what a bonus! (WCSC)
June 2017 - Pre-approval granted today!!! We begin looking at homes this weekend! Chapter 13 Bankruptcy Filed 2014. Active bankruptcy still in effect- currently making payments to creditors. Tax liens, child support, and collection accounts - but shopping starts Saturday! Stay tuned! (TS)
June 2017 - Store manager started working with our team in Feb after a failed attempt to buy a home elsewhere that cost her thousands of $$ in lost deposits. 562 score to start - with current late payments on revolving debt - closes within 90 days of working with our team and preferred lenders. We absolutely love taking a negative situation and turning it positive ... DREAMS actually do come true..... Purchased a $339,000 home just down the street from her family. (TC)
June 2017 - Retired Disabled Veteran - with under 600 Score will be moving into their new home this month!!! So excited for this family. Chapter 13 Bankruptcy 2016, Collections unpaid, Recent Insufficient Funds, - purchased a home with zero $$$ out-of-pocket- except for home inspection of $350. $350,000 +/-Sales Price. If you have problems - we are problem solvers! (DC)
May 2017 - 100% Financing - No money down loan for $240,000! Worked in the buyer's program for six months. $7600 in collections unpaid, $12,000 +/- in unpaid judgments deleted - 558 credit score to start. Success stories are happening every week with The Petry Team! (BJ)
May 2017- Successful Story of a Successful Business Owner! Owns a local business that is very successful - 513 credit score to start - unpaid collections totaling approx $21,000, tax liens, medical collections, high debt to income ratios. We helped them secure a rental home for 12 months and worked to realign the credit and income situations to meet mortgage industry guidelines. Purchasing a $449,000 home this month following their 12 month lease expiring... Success is Sweet! (TNDT)
May 2017- Another successful story! Sixty days from our first meeting to move-in! 523 score to start, 3 unpaid judgments, miscellaneous collections, no money down - purchased a home for $249,000 as a rent to own....settlement May 2017. (WC)
May 2017- Complicated but successful! 559 Credit Score, Tax lien unpaid, 60 day late payments in 2016, student loan debt, past foreclosure, $21,000 in collections unpaid, multiple unpaid judgments of $23,000+/-, currently paying and receiving child support - began working with our team in Aug 2016 - they moved into the home before closing in March 2017 and settled on their $620,000 home in May 2017. Six months from our first meeting to contract phase.... hurray! (TN)
April 2017 - Complications and Difficult files are our specialty and this one is no exception! Student loan in default, Chapter 13 bankruptcy filed but not completed (in progress), $20,000 +/- in collections, $19,000 in unpaid tax liens, $9,000 in judgments. This one took a little bit to finish - but less than six months from start to finish. They purchased a $330,000 home and are enjoying life! (CP)
April 2017 - Successful transaction! Purchased a home with our team previously approx. 2 years ago. They wanted to upgrade due to an increase in the size of their family. $10,200 in judgments pending, $2,300 in unpaid collections, previous child support in arrears. We sold them a new home and rented the old one out successfully within 90 days! They purchased a $4500+ sq ft home for $400,000+/- and are another success story! (KT)
April 2017 - Another success story! Client entered into a contract to have a home built prior to meeting our team. Financing was turned down by another lender / team. We picked up the file and sold them a different home within 90 days. Previous foreclosure, unpaid judgment, open and unpaid collections. No money down loan. (DL)
(NOTE: This is a brand new page - we thought it might be helpful for others to read about our success stories... Our programs are very successful - whether you are looking to rent, buy, or rent to own.... we are updating this page on a regular basis - please check back with us to stay up-to-date.....)
Affected by Foreclosure, Short Sale, Judgements, Collection Accounts, Late Payments, etc? We have nearly 20 years of experience helping those in the Virginia area to Rent or Buy a Home Following Troubled Credit...