First Step can be your last step or just a step toward where you want to be – it is completely up to you.

One of the greatest differences between the Steps to Home Ownership Program we offer and other similar programs is flexibility.  Very few companies offer a program that provide the client maximum opportunity to choose what is best for their financial future – but this is exactly what we do.  Every step of the way we encourage you to do what is best for you, your family, and for your financial future.

Regardless of what phase of the program you are in or how long you have been a client – there is NO restriction for you to get traditional bank financing.  Notify us whenever you are qualified with a traditional lender and we will help you in whatever way we can.

  • If you are in Phase 1 and don’t need Phase 2 – NO PROBLEM
  • If you are in Phase 2 for a week – NO PROBLEM
  • If you have been in Phase 2 for 5 years, or longer – NO PROBLEM

We have no prepayment penalties during any phase of our program.  Whenever you are ready to go beyond owner financing contact our office and we will provide you with a current pay-off amount, your new loan will replace whatever phase of our program you are in, and your relationship with us will be complete.


BUT, this is not mandatory!!  Phase 3 is NOT to force you out of our program, it is only available because it is a benefit to some of our clients.  For example, even if you are qualified with a traditional bank you do not have to change anything.  You can choose to pay out the length of your financing term, pay the house off, and never get any other type of financing.

We strive to provide our clients with maximum flexibility, for them and your families.