Continue reading »]]> After you get the keys to your new home, it is important that you immediately do the following:

• Forward mail from your old residence to your new home address: U.S. Postal Service – Changing Address
• Apply for electric, gas, water, and telephone services into your own name (since we will immediate terminate our account.)

• Optionally, you may connect Cable TV and Broadband Internet service.

• Inform Property Managers of new phone number.
• Re-key the locks and send the extra key to Property Managers.
• Begin your credit education. Order your credit reports to begin credit clean-up. By Federal law, everyone is eligible for a FREE Credit Report once a year. Alabama Residents visit AnnualCreditReport.com.
• Experian – 800.583.4080. GA residents get 2 free credit reports per year (Credit scores extra fee). Know you Credit Options. 
• Equifax – 800.685.1111. GA residents get 2 free credit reports per year (Credit scores extra fee. Know you Credit Rights. 
• TransUnion – 800.916.8800. GA residents get 2 free credit reports per year (Credit scores extra fee.Download PDF FormFICO Scores. Learn more about credit scores.

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Information Hotline Recording:
706.610.3976 (New!)

Customer Service
706.442.6683

FAX
888.696.3441

Mailing Address:

Intrepid Management
1639 Bradley Park Drive
Suite 500, PMB 110
Columbus, GA 31904

(This physical address is The UPS Store to the right of Publix near Whitesville Rd.)

Email: Matthew Chan (matt30060-gmail.com), Wes Weaver (wes-wesweaver.com)

Established in 2001, Matthew Chan & Wes Weaver are the principals and managers of OwnerFinanceHomes.com and SolidRentalHomes.com. Together, they have firmly established themselves as the “#1 Providers of Owner-Financed Homes in Columbus, Georgia and Phenix City, Alabama”.

They are both well-respected members of the local business community and specialize in lease-optioning houses to renters who want to one day own homes. Together, Matthew & Wes provide a service and alternative to renters that few in their local area can match.

Continue reading »]]>  THE SHORT ANSWERS

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HOW TO GET STARTED

1. Call the Information Hotline at 706.610.3976.
2. Drive to the home and inspect it.
3. Come back and print out an application. Fill it out completely and FAX it in.
4. Call for a telephone interview.
5. FAX copies of Drivers License, Social Security card, and Proof of Income (check stubs)

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How Does Your Lease-to-Own/Lease-Option Program Work?

You lease the home for 2 years, clean up your credit, keep a good payment history, and qualify for a new mortgage loan within two years.

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How Much Money Do I Need?

You need to save enough money for:

• Security Deposit +
• First Month’s Rent +
• Administrative Option Fee ($200 to $400)

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EZ QUALIFICATIONS (No credit check)

• Verifiable Landlord references and Tenant History
• Verifiable Employment History & Income
• No Evictions within 4 years
• Lease payment is not more than 40% of household take-home pay
• Pass criminal background check (Misdemeanors & minor infractions ok.)

 THE LONG ANSWERS

What kind of financing do you provide?

We provide short-term, intermediate financing to help families, who cannot immediately qualify for a conventional mortgage, buy a home. We typically finance the house for two years so that you can qualify for a new mortgage loan to fully transfer the house into your name. During this two-year period as you enjoy living in the home, you will clean up your credit, improve your financial situation, earn credits towards the refinance, and establish a solid 12-month payment history. The primary method of this short-term financing is provided by a lease with purchase option. This method of owner-financing is well accepted by most lenders and superior to most programs you see today due to its simplicity and relatively low-cost of implementation.

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What is a Lease with Purchase Option?

A lease with purchase option is a cost-effective way to set up intermediate, short-term financing. It is good for you because it allows you “try out” the home for two years to see if the home is truly a good fit for you. It allows you to simultaneously establish a great payment and tenant history essential to qualifying for a mortgage loan.

Very few people in the local area understand the specifics of this kind of transaction. We specialize in it. We have seen some of our friendly competitors do this for some tenants but despite this, no one does more of these transactions than we do. Unlike many rental homes available today, we offer nearly everyone who lives in our homes the opportunity to buy.

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How much money do I need to get a house?

You will typically need to save enough money for the following fees, deposit, and rent items to join our Lease-to-Own/Lease-Option Program.

• Criminal background check ($15/applicant)
• Security deposit
• 1st month’s rent
• Purchase Option fee
• Pet Fee ($250 for the 1st pet, $75/pet after the 1st pet)

Partial months will be prorated and credited on the 2nd month of your tenancy.

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What will happen if we cannot get it refinanced after two years?

We are not in the business of removing people from houses especially from historically good-paying tenants. If you have maintained the house, made timely payments to us, and been a good resident, we can (for a small fee) extend the contract one year to give you more time to qualify for a refinance. We can extend the contract one-year at a time until you do qualify for a refinance. However, for each one-year extension, you may be subject to a small extension fee, a monthly rent payment increase, and/or a purchase price increase.

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What kind of people do you work with?

We work with good tenants who are serious about one day buying their own home. We want people who will have pride of ownership and be good neighbors. We look for people who have a reliable job and income, financially responsible, and have a good tenant history. Having decent credit is preferred but not required. We look at every family on a case-by-case basis.

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What qualifications do you look for?

We generally have easy qualifications for our applicants. The two most important things we look for are: whether you are currently employed at a job in good standing, have a good tenant history and verifiable landlord references. We understand that you may have experienced foreclosure, repossessions, bankruptcy, overdue medical bills, or other credit challenges in your past. Good news! We not only understand those challenges but we also believe in giving people second chances! If you have the necessary upfront money and are gainfully employed with a good tenant history, we believe you will be a strong candidate for our Owner-Financed Homes. Because we want people to be successful in their new homes, the monthly house payment cannot be more than 40% of your household “net”, take-home income.

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Will you accept a deposit to “hold” a house?

No, we cannot accept any deposits to “hold” a house. It is not fair to someone who may be qualified, has all the funds, and ready to move in. We continue to market the houses until that time an applicant pays and signs our contracts.

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How do I get started?

You must have visited the home first before we can accept any paperwork. Go to our list of Available Homes and get the directions to visit the house you are interested in. Additionally, listen to our 24-hour Hotline 706.610.3976. Then come back and out an application and fill it out completely. Call us for a telephone interview. You do not need to send any money at this time.

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What paperwork do I need to submit?

You will be required to completely fill out our application and submit photocopies of your Drivers License, Social Security cards, and proof of income (check stubs, bank statements, 1099 forms, and/or income tax form). We prefer for you to fax the documents to us at 888.696.3441 for our review. You will also be asked to submit a $15/person background check fee AFTER the telephone interview. We can only accept Money Order or Cashier Check payments.

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What Other Rules & Regulations must I follow?

We charge an additional $250 for people who have pets and $75 per pet thereafter. This is a one-time charge. People who do not report pets will jeopardize their tenancy with us.

We have a limit of 4 vehicles for most properties and they are not allowed to be parked on the yard. Our properties are not meant to be used for vehicle storage facilities or a used car location. Vehicles on yards damage the curb appeal and lowers the value of the property consequently your ability to refinance the home.

You must maintain the yard adequately. Ill-maintained yards lead to pest infestations, rodents, lowered property value, and angry neighbors. You must do your part to uphold community standards.

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Continue reading »]]> Last updated: February 4, 2012

These are prior tenants who are on “Do Not Rent” Status with us. The primary reason for “Do Not Rent” Status for these prior tenants are unpaid and unsettled accounts. They either abandoned or were evicted from the properties they lived in leaving unpaid and unsettled accounts. In these situations, we have sued for and won a money judgment (a matter of public record) or sent these accounts to collections. In all cases, we made best efforts with these prior tenants to clear their accounts but have chosen to avoid settling their accounts with us.

We firmly believe that most tenants who leave with unsettled accounts with one Landlord will do the same to another unsuspecting Landlord. We have freely and openly provided this information to protect other landlords who may encounter these debtors. Do not reward bad behavior by renting to these people until they have cleared their accounts.

We will happily pay a $100 Reward for information that leads to the payment of these accounts!

• Shandis Denise Phaneuf (Lived in Lee Rd 2041 in Phenix City. Licensed Registered Nurse in GA. Money Judgment in Lee County, AL)
• Ozzie & Carrie Ozbek (Lived in Lee Rd 2041 in Phenix City. He was in Air Force. She was at State Farm in Columbus, GA. Money Judgment in Lee County, AL)
• Joseph & Michele Schoepp (Lived in Lee Rd 2041 in Phenix City. Eviction & Money Judgment in Lee County, AL)
• Clint Caraway & Kip Burns (Lived in Church St, Hurstboro, AL)
• Elzie Dennis Franks & Melissa Franks (Moved from Tennessee and lived on Church St., Hurtsboro, AL. Now in Cayce or Columbia, SC. She works in Sprint PCS Store. $2,000 outstanding)
• Randol Butler & Sarah Gruhn (Lived in Tillery Ln in Phenix City, AL. Filed eviction but abandoned prior to court date.)
• James Dykes and John Tharp (Lived in Tillery Ln in Phenix City, AL. The were in the hair cutting/styling business. Eviction & Money Judgment in Russell County, AL)
• David & Angela Baker (Lived in LR 454, Phenix City, AL. Gave no notice to move. Extensive pet damages.)
• Corey Roberts (Lived in Celia Drive in Columbus, GA. Eviction in Muscogee County, GA)
• Robert & Andria Brown (Allegedly divorcing. Lived in Bleeker Rd in Phenix City, AL. Left property roach infested. Long Building shed repossessed.)
• Charles R. & Laurelann Gullion (Lived in Tillery Ln in Phenix City, AL. He was a Cook. She was a teacher for Sylvan Learning Center. Abandoned.)
• Tanika Nathan (Lived in 18th Ave in Columbus, GA. Abandoned property with no notice in filthy condition.Money judgment in Muscogee County, GA. Successfuly garnished.)
• Joe West (Lived in Sandfort Rd in Phenix City, AL. Wouldn’t voluntarily move despite being asked to leave for non-payment. Eviction & money judgment in Russell County, AL.)
• Hilah D. Robinson (Lived in Drew Ave in Columbus, GA. Works as paramedic. Money judgment in Muscogee County, GA. Successfully garnished.)
• Kirstin Segrest (Lived in Vesper Dr. in Columbus, GA. Abandoned.)
• Lisa Cook (Lived in Chalbena Ave in Columbus, GA. Eviction in Muscogee County, GA)
• Yolanda Fannin (Lived on Schaul St. in Columbus, GA. Works at Cagles in Pine Mountain. Eviction & Money Judgment in Muscogee County, GA. Successfully garnished.)
• Ozellar J. Sims & Milton Bonner (Lived in Tillery Ln in Phenix City, AL)
• Tiffany Doty & Wade Cook (Lived in Bleeker Rd in Phenix City, AL)
• Denise Lattimore (Lived in Rowell St. in Columbus, GA. Eviction & NSF check)
• Larry D’Avy (Lived on Schaul St. in Columbus, GA. Eviction in Muscogee County, GA)
• Sherry Garnett & Tony Martin (Lived in Red Oak Dr. Eviction & Money Judgment in Russell County, AL. Declared Chapter 13 then Chapter 7 bankruptcy.)
• Adrian Galloway (Lived in Pine Vally Ct. Declared Chapter 13 bankruptcy.)
• George & Inez Blackmon (Lived in Goodwin Dr. in Columbus, GA.)
• Felton Elliott (Lived in Lawyers Lane in Columbus, GA. Eviction in Muscogee County, AL)
• Leslie Raden & James Allen (Live in Blueridge Dr. in Columbus, GA. Eviction in Muscogee County, GA)
• Stephen Farmer (Lived in Bleeker Rd in Phenix City, AL.)
• Margo Yates (Live in 4th Place in Phenix City, AL.)
• Joshua L. Whitehead & Joy Marie Williams (Lived in 15th Ave in Phenix City, AL.)

If you are a Landlord or Property Manager, please feel free to contact us at: 762-359-0425 or FAX us at: 888-696-3441 for more information on these accounts. We will happily pay a minimum $100 reward for information that leads to the payment of these accounts!