Buying A Home Against The Odds-Bankruptcy, Foreclosure, Short Sale, Collection Accounts, Judgements, Tax Liens, Repossessions- Call Us! Programs Available.

**Worried About Low Credit Scores? Late Payments? Judgments? Repossessions? Bankruptcy?

We’ve Got Your Back! You Can Still Achieve Your Dream of Homeownership!**

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Attend A Buyer's Seminar In Your Local Area Geared Toward Our Rent-To-Own Program or Buying Against All Odds- Obstacles and All

Click Here to See Locations and Dates Available- and Don't Forget to RSVP

***OR**

Schedule a One On One Teams Meeting and We Can Demonstrate How We Can Best Help YOU Navigate the Housing Industry and Lending Programs...

You don’t need perfect credit to buy a home. We specialize in helping individuals with all types of credit histories, including those who have faced financial challenges. Whether you’ve had late payments, collections, repossessions, or even a bankruptcy, there are still pathways to homeownership—let us show you how!

Our Programs Are Designed for YOU:

Home Buyer Programs:
We offer a range of flexible options to help you secure your home, no matter your credit score. Let’s find a solution that fits your unique financial situation.

Rent-to-Own Programs:
If you need a little more time to get your credit or savings in order, a Rent-to-Own option can be the perfect way to move towards ownership while renting.

Follow us on Facebook for more Specific Details About Specific Homes and Opportunities

Bankruptcy-Friendly Options (Chapter 7 & Chapter 13):
If you’ve filed for bankruptcy, don’t let that stop you! We’ll guide you through programs designed for people with prior bankruptcies, so you can get back on track to homeownership.

Your Road to Homeownership Starts Here!

Perfect credit isn’t required to become a homeowner, just the right support and plan. We’re here to provide that support and walk you through each step of the process.

Reach out today to explore your options and take the first step toward owning your home!

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You would be surprised at how many of our clients come to us with less than perfect credit and low scores thinking they HAVE NO OPTION… but MUST RENT again… Think again........

Have Doubts? Call Us Today For More Details…

We have helped hundreds of Families Buy or Rent A Home when Nobody Else Would or Could Help……

The Petry Team (540) 571-1516

Recent Sales

Featured picture for the property VACV2009960

$790,000

RUTHER GLEN, VA

beds

baths

Featured picture for the property VAPW2109750

$2,750 / mo

WOODBRIDGE, VA

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Featured picture for the property VACV2008578

$288,700

BOWLING GREEN, VA

beds

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Featured picture for the property VASP2024348

$2,300 / mo

SPOTSYLVANIA, VA

beds

baths

View More Sales

**Continued** (Part 2) When I met Bill and Berna from Ratterree Realty, LLC our prayers were answered and that is not embellishment. We had no idea what to do. There was even an apartment community that told us if we prepaid 6 months rent we could live in their community. That would have been $12000 plus a double deposit. We felt hopeless until we met Bill and …

-Lawrence and Family, Client

"Started with a simple phone call in which I asked could we possibly purchase instead of renting, ANSWER WAS YES! Even though we were in a Chapter 13 BK, after I answered some prelim questions, the answer was YES! I always thought it could be a chance, but David and Berna always said YES! Berna has had an enormous amount of experience with BK's etc, and she never doubted …

-Terrence, Client

We, my husband and I never thought we would be able to afford or qualify for a house, let alone our dream home. Bill and Berna is the dream team. I couldn't have done this with anyone else. Despite all the issues with our less than perfect credit, lack of credit, and other issues they were able to work with us to qualify. I worked closely with Berna to get my credit where …

-Cindy Powell, Client

Working with Berna and Bill made our homebuying experience painless. They were both amazing to work with. We found a home and closed on it in 30 days! We couldn't have done it without them. I highly recommend them for anyone looking for a home!

-Cynthia and Kevin, Client

Initially, I was skeptical thinking their program was similar to a get rich quick scheme. However, it didn't take me long to know that this team is the real deal. They both work extremely hard for you in finding you a home, even with bad/poor credit. There is nothing that stops them from moving forward on your needs and providing you with the service that they …

-William kent, Client

Featured Properties

Recent Sales

Bill and Berna Petry

Communities Served