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Stop Renting. Start Owning.
Owning a home is a cornerstone of the American Dream. Too often, home ownership is priced out of reach for good people who are just starting out or maybe just need a fresh start.
At Spruce Home Partners, we help people get out of the rent trap and into homes so they can reap the benefits of homeownership and build equity and wealth with custom seller-financed lease-to-own options.
Renting is great, but...
Your monthly rent builds equity on somebody else's property, building wealth for someone else.
Every time the landlord increases your rent, it makes it harder to make ends meet. If your landlord chooses not to renew your lease or sells the property to someone else, you may have to find a new place to live, even if you've never been late on a single payment.
You're limited to smaller indoor and outdoor living spaces than you'd have in even the smallest of homes, and when something breaks, you're at the mercy of the landlord who may take longer than you need to repair things to your satisfaction.
I'm worried I won't get financing
Conventional financing isn't always the best choice for everyone. Lower credit scores, limited credit history, or self-employment might prevent people from qualifying at a reasonable rate, if at all.
Buying directly from the seller allows for flexibility in down payments, interest rates, repayment schedules, and loan terms that create a win-win for everyone.
It also means fewer third-party processes, less paperwork, lower closing costs and faster closing. In other words, a lot less hassle.
The Best of Both Worlds.
Our seller-financing and lease-to-own plans are designed to get you out of renting and put you in your future home. You'll build equity with each monthly payment and end up with a home of your own.
You'll enjoy larger indoor and outdoor living spaces you can customize to suit your tastes, predictable monthly payments, and the privacy and security of owning a home.
Of course, if you ultimately decide that home ownership is not for you, you're under no obligation to purchase. You can continue leasing or walk away.
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