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YOU DESERVE A HOME OF YOUR OWN!
EAST TEXAS HOUSES CAN HELP
WE FINANCE YOUR FUTURE....NOT YOUR PAST

ANNOUNCING!!!!!!
THE HOME BUYER STIMULUS
UP TO $8,000 IN FREE GOVERNMENT FUNDS AND OWN IMMEDIATELY!!!!!!!
WE CAN USE THESE FUNDS FOR AN INSTANT DOWN PAYMENT!
CALL US TODAY FOR DETAILS
903-569-9932

Are you tired of being told you don't qualify? Do you have bruised credit? Not enough time on the job? Divorce?
Past or future bankruptcy?
Tired of throwing money away on rent or a mobile home?
Do you have good credit?
We can get you a great deal with immediate financing on
one of our homes!

Dear Future Homeowner:
We can assist you in owning the home of your dreams. We are the HomeBuyers and we specialize in acquiring and building homes in beautiful East Texas. We look for quality, bargain properties that you can move into and not worry about the hassle of qualifying
with a bank.

If you've been watching our ads or website for any period of time, you know that our
houses move very, very quickly. Our major challenge is being able to buy enough
homes to keep up with the demand. This is due in large part to the overwhelming success
of our simple pre-approval program and our reputation for offering quality homes.
Find out all about how the pre-approval process works now!

No Bank Qualifying!
We are not as strict as banks. If you have income and some money up front to show
you're serious, you will probably qualify. We check employment, past rental history,
credit history and a few other items, but we don't care if you've had a prior temporary
setback. We don't require perfect credit!
Hassle Free Transaction!
We handle all the paperwork and details. You don't have to worry about what to do or
how to do it. We'll walk you through every step of the process.
Lease to Own Advantage!
If you have the required funds for an option consideration fee, you can Lease-to-Own
your home. This will allow you to save an additional year or two for a more substantial
down payment and significantly lower your payments. Many homes allow a rent credit
each month.

0 Down Payment!
Those of you that can qualify conventionally and do not need us to finance you but lack
the sufficient funds required for a down payment may be approved for our 0 down plan.
This is available on many of our homes. Just ask for details.

Our Philosophy
We believe that there are many hard working and honest people who have unfortunately
had events in their life that have prevented them from getting approved for a home loan
from a bank or mortgage company. We are willing to finance you. Although your credit
may be challenged, just be honest with us and we will get you into a home of your own
and help you rebuild your credit in the process.

We don't have the same rules as the banks. Past money problems and job
changes don't scare us since we understand life has its ups and downs. All it takes to
qualify for one of our homes is a 3-10% down payment, solid employment and income
and the ability to make your monthly payment on time. Meet those requirements and
you can be in your new home in a matter of days.

Many years ago someone gave us a helping hand just like we are extending to you. We
hope that some day you are able to do the same for someone else who truly wants to
enjoy the benefits and joy of owning their own home.

Sincerely,

Suzan and Wayne Ginani

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East Texas Houses / Madison Joy Property Management

P.O. Box 884
Mineola, Texas 75773

Phone: 903-569-9932
Fax: 903-569-1847
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