Walk through the Door of Your New Atlanta

Home….Despite Your Credit History!

Introducing Atlanta’s Premier Lease Option Program

Brought To You By Wendy Polisi and Vincent PolisiThe Wealth Consortium and www.financethedream.com

Hello and Welcome to Your New Home!Have you been dreaming of owning your own home?

Are you ready to turn your dreams into reality?

People just like you are taking control of their lives and taking steps to become an Atlanta Homeowner!

We’ve made it easy with our NO CREDIT QUALIFYING LEASE OPTION program!

Let your dreams become reality today!!!

Forget the Past!We don’t care that you’ve had problems in the past. What we care about is where you are now!

Are you seriously committed to being a homeowner?

Can you afford to pay for your home? Have you saved money for a down

payment?

Are you ready???

Program Overview No Credit Qualifying

24 Month Lease Option!

Purchase Price will be the estimated Fair Market Value of the Home in 24 Months …not inflated!

All Leases are triple net, making you responsible for everyday maintenance ….after all it’s your home!

A home warranty will be in place for large repairs. (Think AC or roof)

Frequently Asked Questions ~Qualifications for our Lease Option Program

You state that your program is No Credit Qualifying. Why do I have to make an application?

While our lease option program is no credit qualifying every applicant must qualify for our program. We are not in the eviction business and don’t want to be. It doesn’t do us or you any good to take up-front Option money and then put you in a home that you can’t afford.

What are you looking for to qualify for your program? We look at a number of things. First and foremost, we are looking for

people who truly want to become homeowners. There are numerous Lease Option programs out there that simply want to take your option money, rent to you for a year and then for you to move out so that they can repeat the process. This isn’t us. We want to help you and your family achieve financial success and become homeowners! This is why we require that you sign up for a credit repair program. Secondly, we are looking for your ability to pay for the home. You must be able to verify that you can afford the payment and have steady income.

Frequently Asked Questions ~Qualifications for our Lease Option Program

Why do you pull our credit? There are two reasons. First, we need to make sure that we aren’t

getting you in over your head. We want to build solid long term relationships with you. The last thing we want is for you to be overextended with other debt and not be able to afford your home. The second is that because our lease option program is truly designed to help you become a homeowner, we need to understand what it is going to take to make that happen.

I make a good income, but can’t verify it in traditional ways. Does this mean that I can’t qualify for your program?

No, not at all. We can look at non-traditional sources of verification. The key thing that must be considered is that because Stated Income Mortgages are a thing of the past, we need to ensure that steps are taken so that you can purchase the home in two years.

Frequently Asked Questions ~Benefits of Joining Atlanta’s Premier Lease Option Program

What makes your program better than other programs out there? There are certainly other reputable Lease Option programs out there, but

we think that ours has something special. Our approach is unique in that we are seeking to build a long term relationship with you. First and foremost, the terms of the lease option are set up to actually put you in position to buy the home --- this is important. Many lease option programs are set up so that at the end of the term there is no way you could buy the home. Additionally, I am not aware of another program out there that not only ensures that your credit gets repaired, but has a structured program to help you increase your income. Our Magnetic Money program offers you the opportunity to significantly increase your income without having to do a thing! . In addition, all of our lease option tenants are enrolled in our bi-weekly newsletter that is filled with financial planning and money making tips. We do this because we know from experience that reading good, positive information can help you stay focused on your financial goals and greatly increase your chance of success.

Frequently Asked Questions ~Benefits of Joining Atlanta’s Premier Lease Option Program

How can the terms of a lease option affect my ability to buy? The terms of any lease option are critical to your success! Unfortunately, there are many

programs out there whose sole purpose is to rent the home to you for a year, collect upfront option money and then for you to be forced to move out in a year. Why? So that they can collect the option money again from someone else! How do they do this? First, they set the option price far above what they estimate that the Fair Market Value of the home will be. This ensures that even if your credit is perfect, no bank would finance the home for you because the home isn’t worth what you’d be paying for it. Secondly, they offer little or limited rent credit and do nothing to help you save up for the down payment. We offer a generous rent credit and the ability to take advantage of money making opportunities with our company. Lastly, they do not require you to work on repairing your credit because quite simply they don’t want you to!

Why do you do all this? We’ve been there. We know that life throws you curve balls and sometimes your credit gets

damaged and makes things difficult. When we say that we are looking for long term relationships, we mean it. Our long term goal is to see you and your family successful and for you to be so happy with what we have done that you are compelled to refer your family and friends. Who knows, maybe one day you joint us as a Real Estate Investor with The Wealth Consortium!

Frequently Asked Questions ~Transaction Highlights—What to Expect! Why do you require an application prior to viewing the home? A good Real Estate Agent will always require a client to get pre-approved with a

mortgage company prior to showing them any home. The reason for this is to ensure that no ones time is wasted. It is heartbreaking for you and frustrating for the person who takes the time and to show you the home. (Usually a Real Estate agent) We do ask that you drive by the home first and make sure that you like the area and neighborhood.

What is your application fee? Our application fee is currently $37. This covers the hard cost of credit reports as

well as the cost of an employee to process your application.

What exactly is a lease option? A lease option is a contract where you rent a property for a specific period and

have the option to purchase the property at any time during this period for a pre-determined price. A portion of each months rent goes towards the purchase price of the home.

Frequently Asked Questions ~Transaction Highlights—What to Expect!

What exactly is a lease option? A lease option is a contract where you rent a property for a specific

period and have the option to purchase the property at any time during this period for a pre-determined price. A portion of each months rent goes towards the purchase price of the home.

What is the term of your leases? All of our leases are set up on 24 month terms. We do this because in

our experience, it can take a minimum of two years for you to repair your credit to the point that you would be able to qualify for traditional financing. Of course, you are free to exercise your option at any time during the 24 month period.

What down payment/deposit is typically required? Based on your situation, we require between 2-3% of the value of the

home in non-refundable option money.

Frequently Asked Questions ~Transaction Highlights—What to Expect!

I am very interested in owning a home, but am short on the option money. What can I do?

Enroll in our down payment builder program! By providing referrals to either qualified lease option tenants or people who need to sell there home quickly you can earn the required option money and become qualified for our Lease Option program! (visit our website at www.financethedream.comfor more information or email Wendy Polisi at wendy@thewealthconsortium.com)

What does Rent Credit Mean? The rent credit is the amount of your rent that goes towards the purchase price of your home. Every

situation is unique, but typically we will offer 80-100% of your first years rent in a rent credit. This will hopefully (no one can predict mortgage guidelines 24 months from now) allow you to purchase the home without additional down payment.

What happens I don’t make my payment on the first of the month? We have investors to answer to, and as such, it is imperative that you make your payment on time,

without exception. You are incentivized to do this via the rent credit that you receive only if the payment is made on the first of the month. There is no grace period and if they payment is made on the second, you lose the entire rent credit for the month. You are literally throwing money away!

Frequently Asked Questions ~Choose Your Own Home!

I would really like to participate in your program but you currently don’t have a home that meets my needs. What are my options?

You have two options. You can visit our site frequently and hope that we acquire a property that meets your needs, or you can enroll in our Homebuyer program.

How does this program work? First, we need to get an application and qualify you for our program. You

can apply and pay your application fee online. Once you are qualified for this program, we will get a retainer from you. Each situation is unique, but our typical retainer is $1600, which is what other reputable companies charge for this service. Within two days of receiving your retainer, you will be put in contact with a realtor who will provide you with a list of homes that are eligible for our program. Once you select a home, you will be responsible for any earnest money that is required to place a contract on the home. Of course, this is completely refundable should the offer not be accepted and goes towards your purchase price.

Frequently Asked Questions ~Choose Your Own Home!

Does any home qualify? No. Because we sell the home to you at fair market value, we need to

buy the home under market in order for our investors to make a profit. As such, we are typically looking for distressed sales and short sales.

What is the retainer for? While we have your best interest at heart at all times, we need to make

money to stay in business. When we collect money from a client upfront, we create a team to help them find and move into their dream home. We compile a team of Real Estate Agents, investors, lenders, appraisers, and inspectors to pull this off for you. All of these people would not be happy to spend time working for someone who isn’t serious about following through with the purchase. So, we ask for a deposit to show you are seriously. Once we make an offer on a property, we become financially liable for the deal and begin to incur expenses directly related to that home. If something goes wrong and you change your mind we must be protected

Could One of These Be Your New Home?

The Next Step…Please visit us at www.financethedream.com

and click Apply Online if you are ready to turn your life around and join Atlanta’s Premier Lease Option Program.

More questions? Please do not hesitate to contact us!

Wendy Polisi – wendy@thewealthconsortium.comVincent Polisi – vincent@thewealthconsortium.com