Your Path to Home Ownership

Home Ready Programs are the national experts for home buyers with low to no money down or past credit challenges!

About Home Ready Programs

Our Mission

Our mission is to provide home ownership opportunities to individuals and families even though they may have been turned down by a mortgage company. If you are employed, self-employed or work on commission, we can help!

We understand the problems that prevent a good person from qualifying for a mortgage. We are willing to do business with someone who has a promising outlook for a better future. If you are that type of person, we want to talk with you about getting you into a home.

I can't thank you enough for the dedication in helping us get our new house.

Walter J.

Thanks again for helping me get my new house. Very good. Very satisfied.

Denise P.

We highly recommend the companys services to anyone searching for their dream home. They are the help you want to have by your side.

Jensen & Margie R.

The transaction went pretty smooth. The agent was great during the whole buying process and was great! We would recommend.

Thomas & Shelly H

Get Started Today

The Home Ready Programs Simple 3 Step Process


Register for the Program

Fill out the Program Registration form. Remember, it’s not if you qualify, but when and which Home Ready Program you qualify for. With up to a 98% approval rate, you can buy a home with Home Ready Programs!


Choose Your Dream Home

Describe your dream home, and our approved Realtor will find matches in your desired area. We negotiate a cash price, purchase the home, and offer owner financing with a 30-year fixed, low-interest rate.


Move Into Your New Home

Exciting times ahead! We finalize the sale with a local Title Company, usually within 30 days. After closing, congratulations—you can move into your new home!

The Home Ready Program Difference

Your Dream Home Awaits!

We are not Realtors. We are not a Mortgage Company. We are a national company with private funding and a credit line. For many years, we have been paying cash for houses and then selling them with simple Owner Financing. You can select almost any home, we can buy it using our credit line; and Owner Finance it back to you on a regular, normal market interest rate and term. We are committed to helping people buy a home even though they may have been turned down by a Mortgage Company.

The next move is yours! REGISTER NOW, as funding is limited. We can help if you're employed, self-employed, or work on commission. There are no catches! Our easy three-step process helps you overcome traditional funding challenges.

We're Here to Help

Ask Us Anything!

Call our 24 hour recorded information hotline at any time to get more information about Home Ready Programs

24 Hour Recorded Information: 423-822-5898

Are You An Equal Housing Opportunity Provider?

Home Ready Programs and its affiliates fully support the principles of the Fair Housing Act (Title VIII of the Civil Rights Act of 1968), as amended, which generally prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents or legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability)

Do I Need to Use Your Settlement Service Provider?

This is a consumer website operated by a privately owned company. It is not a government agency and we do not make loans. You maintain all rights to shop for your settlement service provider and under no circumstances are required to utilize Home Ready Programs preferred settlement service provider.

Are You Providing or Arranging a Mortgage Loan?

Participation in Home Ready Programs is available solely for consumer purposes and is subject to approval. Home Ready Programs is not a mortgage company, does not have any obligation to provide or arrange a mortgage loan, and cannot guarantee that a resident will be able to obtain a mortgage loan. Home Ready Programs business is to buy almost any home selected by the Approved Participant and sell it to them and carry the market rate financing in an owner financed transaction.

Turned down for a mortgage? We can help! Fill out our FREE program registration form to get into the home of your dreams today!


[email protected]

24 hour information line: 423-822-5898


We are a group of real estate investors whose goals are to invest funds into local real estate to obtain short and long term income.

Home Ready Programs © 2024