Dear Friend, Sometimes life happens. And when it does your credit can suffer. A sick child, a few late bills, an unexpected expense, loss of a job or divorce can easily get you off track. Unfortunately the banks don't look at you as a person, they don't care about the circumstances in your life. BANKS ONLY LOOK AT YOUR PAST                             ... WE WANT TO LOOK TO YOUR FUTURE Banks only look at you as a credit score. They don't care if there was a good reason that your credit was damaged, they just look at your credit score and say NO!

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What If You Didn't Need A Bank To Buy A House?

That right! What if you didn't need to deal with those snobbish bankers that have branded you as not being worthy of owning your own home? But, you say, that's how its done. How, or where am I going to find someone else that will loan me that type of money to buy a house and not want to see my credit history? They even ran a credit check on me just to rent the crappy apartment that I live in now.

With StinkyCredit.com you don't deal with the banks. Because our system doesn't require a bank loan we can offer just about ANYONE the opportunity to buy any home they want!

That's right!! You can look through all the homes on the market today and choose the home you want. It doesn't matter if it's a $100,000 House or a *$600,000 waterfront home, IT'S YOUR CHOICE!

* Some Restrictions Apply *

George & Richelle Carter Puyallup, WA Within 60 Days We Were In Our New Home! We had Stinky Credit so we called StinkyCredit.com and within 60 days we moved into our beautiful new home. And we didn't even need a bank loan. Thanks StinkyCredit.Com!

* This Program is Designed For Consumers That Can Afford at least $1,750.00 / Mo Payment. *

How Our Rent-To-Own Program Works

O.K. So let's get down to what your really asking. How does this work and how can I take advantage of this?

Step One

You Fill out our simple online application and let us know how much payment you can afford each month then we can determine approximately what home price that payment can buy.

Step Two

Attend one of our evening seminars that will go into detail on how the program works and allows you to met us in person and ask questions.

Step Three

Meet with a Stinky Credit Representative and put your 1st months rent down to start program.

We help you find the home that is in the price range you can afford.

You choose the home, We buy it, you rent to own it.

Unlike most investors in the market, we ask for one of the lowest option fees in the industry. We do not charge 5% to 10% of the purchase price as on option fee (like most investors) we only require 2 months rent as your option fee plus your first months rent to move in.

Not only do we have one of the lowest entry points in the industry, we also share the equity with you! That means that we only ask for 10% of the equity each year. If the equity should go up at 12%, 15% or more, you get to keep the difference! Instant equity!

* Some Restrictions Apply *

Let's See An Example:

Using $1750 as an example payment, let's say that you that could buy a $250,000 home. Then using that figure as a baseline, we determined the future purchase a price of the home in 3, 4 years or more, depending on how long you need to get reestablished.

In the example provided, we show three years, with each year of detailed provided. The option can be executed any time after the first 13 months, and before the ending date of the agreement.

In this scenario at the end of year 3 you would
have $18,452 in instant equity!

To put this in perspective, you would have to set aside $615.00 a month for 3 years on top of all your other bills in order to save up that much money.

* This Program is Designed For Consumers That Can Afford at least $1,750.00 / Mo Payment. *

Step Four

Once you've found a home that you want to live in, one of our investors will make an offer to purchase the home for you. At the same time the option fee (equal to 2 months rent) must be tendered along with the signing of the documents necessary for you to purchase the home.

Step Five

Move into your new home and start building equity. After you have lived in the home for at least 13 months and before the end of the agreement (typically 3 to 4 years) you may execute your option to purchase the house and we will assist you in getting your mortgage and transferring ownership directly to you!

Why would we want to help you buy a house?

So now you are probably asking yourself, this sounds really good but what's the catch? Why would some real estate investor want to buy a house for me and help me to own it? I know that you're not a charity, so how does the investor make money in all of this.

Excellent question. It's true that we are not doing this out of charity and yes the investor will make money. Here is how the Investor gets paid. The investor takes all of the risk in purchasing your home. Your two months rent that you put down as your option fee help to cover some of the costs that the investor will incur in purchasing the house and securing a mortgage. As far as the bank is concerned the investor is solely responsible for paying back the loan. If you were to decide to "leave town" or for some reason were not able to make your monthly payments and left, the investor would still be responsible for paying the bank each and every month until they could find another tenant or purchaser for the house. Keep in mind you are obligated to the time frame set forth in the lease agreement, but you are not obligated to exercise your option to purchase the property. Your monthly rent payment is helping to pay for the mortgage, taxes, and required homeowners insurance. The investor makes their money from their 6% share of the annual appreciation in the homes value.

When it is time for you to buy the house the investor will make back their investment only after you have successfully obtained your new mortgage and pay off the original mortgage

The beauty of our system is that the equity in the home acts as a growing savings account you.

You Get To Live In Your New Home While Saving Up To Buy It!

* This Program is Designed For Consumers That Can Afford at least $1,750.00 / Mo Payment. *

Why you should use StinkyCredit.com

You get to work with the best! Michael Hellickson, the founder and president of StinkCredit.com has been a top selling real estate agent since 1991, Michael has been successfully investing in real estate since 1994. By the time he was 27 years old Michael had achieved "millionaire" status. Over the years, Michael has taught thousands of investors how to avoid the "get-rich-quick" schemes. In January 2002, Michael founded Clubwealth.com, a down to earth coaching program specifically designed for "Real People". Its mission is to help families build wealth through real estate investment, and sound financial practices. In an effort to provide even better service for his clients. Michael added mortgage to his list of companies with the opening of PerfectFitLoans.com. Michael and his team of experts can now provide everything from zero down loans to super jumbo loans at the most competitive rates in the industry.

Michael Hellickson President

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