Step 1. Connect your buyers with us (send a group text or email is best. Or via our website)
Step 2. We do an Intro phone call or zoom to explain our programs and see if they qualify.
Step 3. Buyer submits their required docs (income, asset & credit).
Step 4. Buyer is Approved with UnBankable and it's time to look at homes or submit offers.
Step 5. We close on their new home, they move in, and you get paid.
- Send a group text message to your buyers and us at 228-200-1093
- Or a group email and include us at [email protected]
- Or lastly, head to our website www.unbankablebrand.com and you can fill out the form with your buyer's name, phone number, email address, and of course your information in the notes so we know they came from you!
Watch the video for more details!
Great question! Yes, you absolutely get paid! When you refer a client to us at UnBankable, we will pay you one of two different ways. We either will do a referral fee to you or we will do it via the closing.
You get paid as soon as we close on the property... typically anywhere from 2-4 weeks but can sometimes be faster or slower depending on how we choose to purchase the property.
Watch the video for more details.
Sometimes people will get scared and say, "Well, do I not get paid anything until like two or three years down the road once they actually buy the house?" No. We're going to pay you immediately.
You get paid as soon as we close on the property... typically anywhere from 2-4 weeks but can sometimes be faster or slower depending on how we choose to purchase the property.
So yes, don't sweat. You're not waiting years to get paid. You're going to get paid very, very soon!
You will basically do most the same work as you normally would but we actually will write the offer to purchase the property (since it's us our one of our investor partners buying the property on behalf of your client).
So yeah, you're going to save or keep your commission and technically do less work. Pretty awesome, right?!
If you prefer to do less work and want us to just take over and show properties and do it all... we're happy to do that too.
It's all about you and what you're looking for. Watch the video for more details.
We've gone from "introduction" to "closing" in less than 2 weeks but on average it's about 3-5 weeks.
It really all depends on how fast your client can meet with us, get us the documentation we need, and then up to financing timelines if we go that route.
You can help by keeping them motivated and on track to always be moving forward in the process. Watch the video for more details.
- Send a text message to your buyers and us at +1 (228) 200-1093
- Or a group email and include us at [email protected]
- Or lastly, head to our website www.unbankablebrand.com and you can fill out the form with your buyer's name, phone number, email address, and of course your information in the notes so we know they came from you!
It depends. At UnBankable, we specialize in lots of different ways to help people get homeownership. Sometimes that's with a lease with an option to purchase (aka Rent to Own/Lease to Own). Sometimes that's with a contract for deed aka agreement for deed or land contract, depending on where you are in the country and and your state.
Watch the video for more details.
Anybody who wants to get a home right now and either doesn't have all of the money in cash (which is not most people) or someone who can't go to a bank and get a mortgage right now but has some money to put down on their new home and can comfortably afford a monthly housing payment. That's a great fit for our program!
10% down or more is required for our HomeBridge program.
Our HomeFlex program offers some options as low as 2-3 months' rent (where available, other requirements may apply).
Typically, these are they clients that we tend to work with often!
- People with less than perfect credit.
- Folks who are business owners (new businesses OR those established but still look "poor on paper".)
- Clients with fluctuating income or multiple part-time jobs.
- New jobs/businesses.
- Have had some late payments.
- Medical issues caused some late payments or debt.
- Divorced situation lead to some missed payments or other hiccups.
Essentially, if you want to get into a home and you can't get a mortgage right now, and you're sick of renting, we're a great fit for you. We'd love to see how we can help!
Watch the video for more details.
It's okay if we're not a fit for each other. It's all good. But someone who is not a good fit for us is somebody who isn't honest, someone who's not telling us everything, or someone who's trying to hide stuff from us. Someone who maybe can't verify things or not willing to provide verification. We have to take a look at certain things such as your credit scores and credit reports but remember, it doesn't matter how good it is or bad it is, but we have to see it still to make sure you can afford the home we're helpng you get!
Somebody who has maybe unrealistic expectations. We're helping you get into a home or purchasing a home. This is serious, expensive, and complicated process that involves a lot of people and a lot of moving parts. This is not a good fit for someone who is looking for really inexpensive rent. It pains us to have to say that but unfortunately, we're not a good solution for folks who are looking for super cheap housing. Unfortunately, in America right now, that is a big problem but its not something we can help with.
Our ideal client is someone who doesn't tick all of the boxes for the bank, but they can afford monthly payment that's kind of the average Market rent or higher in that area. Another person who might not be a good fit for us is somebody who really just isn't willing to cooperate. If you're not willing to answer our calls, get back to us, provide us with the information we need, we'll have to move on and help all the other people that are hitting us up every day and every week; we do not have time to chase people.
Watch the video for more details.
Here's a cool thing with UnBankable, we are very very flexible. We try to be as open-minded as possible to the properties, but just know that the requirements may change. For example, if we're buying a property that most other companies would look at and say "No thanks", it will be a little too rough for us, it needs too much work and updating and fixing up. But if we're getting it at a good price and we know that your buyers have experience in renovating and fixing it or they have the budget to do it or they're going to be hiring it out to other professionals that will do it, that's something we might be open to!
We're open to multi unit properties. We're open to condos. We're open to town homes. We're open to rural properties. We're open to things downtown. We're very flexible on the properties and the condition. Just know we're going to look at all of the variables all of the details and ultimately, our investors and us have to feel good and feel safe about the whole process and make sure that it makes sense.
Watch the video for more details.
You can be as involved as you want to during the process. We have some agents who say, "Hey! Here's the name and number you take it from here. You can do everything and please let me know if it works out and let me know how much you're sending when it's all done!"
Other folks say, "No, I want to be a part of all of it. I want to know what's going on every step of the way!" Now, if you're gonna continue to represent your client, then obviously you got to be involved in the process, but we do have some agents who don't want to continue to be involved. Maybe it's an online lead. Maybe it's someone that they're just no longer working with. It's all good!
We work with with every situation. Just let us know what it is that you want to do.
Watch the video for more details.
Absolutely!! Once an agent realizes they can help more people and make more money by partnering with us at UnBankable, they come back every time they have a buyer who cannot buy!
In fact, some of our agent partners are making 20k to 40k and others even 60k to 80k ADDITIONAL each year!
Watch the video for more details.
Your buyers can choose just about anything on the MLS, off-market homes or we may even have some off-market properties as well. Heck, we even will do Investment properties and some Commercial properties.
YES! We don't just work with homeowners and home buyers, but we actually work with investors too! So, if you have clients that want to be investors, want to be a landlord, maybe even yourself, but can't get financing right now through the banks, we can help with that.
Our program works for owner-occupied homes, as well as non-owner-occupied homes, investment properties, second homes, and Airbnbs. We've done it all! Even commercial deals, 20 or 30-unit apartment buildings, warehouse industrial, all of it!
If you can't get financing and you want to get that and you've got the money down and we've got a plan and a path to get you there, we can help.
Watch the video for more details.
Yes, our program totally works for new Agents as well. So we are happy to help agents get into a new home right now, and not have to go rent for another year or two or three until they can qualify. We've actually helped lots of Agents over the years go from renting to owning. We've even helped agents go from renting straight into a multi-unit property. They went from renters to investors through us. So, we're very excited and passionate about that.
Watch the video for more details.
Both. All depends on the situation.
Watch the video for more details.
Now THAT is a GREAT question!! Watch the videos below for more info.
Then, contact our team to set up a strategy session for you and your team!
Go to www.calendly.com/amybrandteam and book a 60-minute meeting.
Since 2011, not to mention over 30+ years in the mortgage industry AND real estate industry. We've had an "A" Rating with the BBB since 2011.
We are the local leaders in this and we're happy to help you and your clients.
Watch the video for more details.
We are considered not only the area's leading experts but nationwide experts on Creative Financing! We've been doing this since 2011 and have helped hundreds of happy clients locally and across the nation as well. One of the biggest differences is our 30+ year combined experience in the mortgage and finance industry, not just real estate. We have an "A Rating" with the BBB and specialize in Lease to Own and Contract for Deed. That IS our business. All day, every day!
Don't put your home or money in the hands of someone who isn't a seasoned professional without a track record of helping people.
We also offer you the chance to see part of your monthly payment go towards your home each and every month. Plus, you can fix it up and improve it! See if any other program will let you do that!
Yes, your agent will still get paid a commission if they are the source of this buyer lead that they sent to you and you are sending it to us. It's super important that we share with you and you can share with your agents that relationships mean everything. We know how important that is, and we have a ton of repeat business that we get through other Realtors, and through loan officers like you.
They'll get paid every time that somebody works with us in our program.
Watch the video for more details.
If there is no other agent involved, and this is like an online lead, or some sort of referral to you that you, then absolutely we can still be their agent, and we can help them do everything that a normal agent would do. We are, of course, licensed Realtors as well. This program works great whether there's an agent bringing them on board or not.
How do you know if you're going to get their loan in the future? There's a couple different things.
We want to make sure that they go back to you as soon as they can get financing. You're the one that brought it to us. And so, of course, we want to be as loyal to you as you are to us and we want to make sure that you get their mortgage as soon as you can!
We can't "make them" go to anybody and your job is also following up. So, you're going to be the one staying in touch with them, communicating, and helping them get mortgage ready. As soon as they can qualify, however fast that is, you're gonna help him get the loan. But the whole time they're in the rent-to-own process, or the contract-for-deed process, we'll continue to remind them that you're the one that brought them to us. You're the one that can help them get the mortgage as soon as they are mortgage ready.
Watch the video for more details.
As soon as they can qualify to get financing, get them the loan. We might set them up on a three-year lease-to-own for example, but if they only need a year and a half to qualify, they don't need three years, and that is fine too. 99% of our deals that we do is never any sort of prepayment penalties, or fees or anything upfront.
So, as soon as you can get in the mortgage, however fast that is, get them the loan, so they can hopefully get a better rate lower monthly payment. You can get paid. You can get that loan done. Everybody wins!
So, all good! Don't ever think that you have to sit and wait for more time. And of course, you can always run it by us if you want to chat about it upfront, or with any questions.
Watch the video for more details.
The things that you can do to help us out is if you've already done the application, and you have a full complete 1003, and you've got credit; if you can share that with us, that would be great! Of course, you're gonna need their permission to release that information. So, make sure you get their permission. We could say that, in writing, what they can share with you, they can share with us. Having been mortgage lenders ourselves, and done done mortgages for 15 plus years, we know how to read a credit report. We know how to go through a Tri Merge, and we know the way that you're looking at it. We're kind of looking at the same way. So, it's just easier and it's faster that we don't want to have to pull their credit again. If you've already pulled it, we'll just use your report as long as you're happy and okay with sharing it with us.
Now, if you can't share it with us, you we're going to have to get their credit report some other way. We might have to have them going like creditkarma.com or get their free report, because we got to see a full credit report. We need to see the entire report. We want to see scores. We need to see all the liabilities. Again, if you have an application, we'd love to see the full title tree, but this is all the same stuff we're looking at as well.
Really, we need to know what's the game plan. We can do this on our end with our experience and background, but we want to know from you, especially since you just looked at all of this if you're denying them. Why are you denying them? How long do you think it's going to take for them to go from a 'No' to a 'Yes', and what has to change. What needs to change? That's very important part of the process that we're going to go through together to make sure that we have kind of the roadmap, and make sure that we're setting them up for success.
We also want to make sure we're paying attention to their DTI and ability to repay, so that's part of the process that we go through as well on our end, through our own review as well as with you together.
Watch the video for more details.
Now THAT is a GREAT questions! By using us, you can help your agents make a lot more money. And if you're helping agents make a lot more money, you're going to be their first choice, and they're going to want to come back to you every single time. So yes, there's a way we can do a lot more deals together.
Plus, we have a whole other side of our business with our investor. Our investors are getting mortgages every month, and they're getting mortgages right now, not in two or three years. So, we have a whole a whole system that we can talk with you about how we can help you do a lot more consistent business, and be the go-to for your agents, which is going to be huge!
Please watch the video below and then let's chat. Schedule a call at www.calendly.com/amybrandteam
Watch the video for more details.
YES, absolutely! You should be sharing this with every single agent you know! You're gonna help them get paid one way or another through us! If they get financing, great. If they can't get financing, they still get paid, and then their clients still get the house. You look like a rockstar for being the problem solver that knows us. So absolutely, you should be telling every agent you know about us, and we should be trying to do some more deals every single week every single month, and you're on your pipeline!
We would love to help you do more deals and share with you the different ways that other LOs are taking advantage of what we can do to help out.
Send us a message!
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