Rent to Own Homes

These very candid and heartfelt letters we have received from our current and past homeowners put into words the driving force and motivation behind what MissouriHomeOwner is all about...we're very proud to share these letters with our future homeowners who may have given up hope.

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Dear Paul and Staff,

I just wanted to write a note to say THANKS so very much for all the help, consideration and kindness from you, your staff and the other outside help and resources you gave me or directed me to!

Back in November of 2002, I had nowhere to turn, down on my luck, out of money and was just about to file bankruptcy, when I came across your ad in the Journal. Of course, like some ads you come across, they sound too good to be true, but I called it anyway. But for the first time, in a long time, I had dialed the right one! I listened to the messages then went online and thoroughly checked out the website. I was pleasantly surprised. I kind of expected to see ugly, run down houses, but to the contrary, there were quite a few great looking ones and with a great caption above them, " $1900 Moves you in." Even though it still sounded too good to be true, I checked it out further, by contacting you, Paul James. Am I ever glad I did. I really enjoyed our first meeting as you showed me a couple of your houses and told me how you could help.

I followed the pre-approval procedure with you and ... found my house. Which I may not have gotten, because someone else looked at it at the same time as I, except for the fact that I was already pre-approved. When I said I wanted it, you informed the others that I was already pre-approved with you and I wanted the house. Wow, that gave me chills, and I felt like I was special, and not the bad person after all! THANKS!

We discussed the extra $ that would go towards my down if I would fix the few little things myself, which I did, thus giving me a bigger down. Because of my credit situation, you also worked up some figures for me with different interests rates, and lower payments, if there was anyway to come up with a little more down to help lower the interest and payment. In my case, I was able to. I it isn't something that everyone would be able to do, but, I know that won't stop you from helping them.

Also, by helping set up payroll deduction for the house payment, there was no worry about it being late, EVER! That also helped, make things easier. Your company offers a lot of people like me who are down on their luck the ability to actually buy a house, even when everyone else has turned us down. You are all, truly life savers, and I will never forget the day of closing, Jan 10th, 2003, when you gave me the keys to MY house and shook my hand and said Congratulations, you are now a homeowner!! You truly restored my faith in a lot of things, but especially people, because you proved that someone really does care. No matter what my questions were, you gave me answers, and made me feel comfortable about the process!

Because of your company, I have my pride back and was able to get back on my feet. It meant a lot to me, and I will never forget it! Feel free to use this letter to help encourage others in their pursuit to find a HOME. I can only hope they too, come away from your company in 2 years with their refinance in as good standings as I did. Thanks again, for all you do, and have done. I know you will continue to help others like me, and you do it so well.

Sincerely, Debra F. Woods- (AKA - Wentzville Home Owner)

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For more Audio Recordings from our homeowners visit our Available Homes page.

K.J. and Family - Proud homeowners of a 3 bedroom split-level home on 3 acres.

Everyone wants a “Piece of the American Pie.”  But when my fiancée and I decided to fulfill that dream, we were turned down time and time again.  Our credit wasn’t quite good enough to purchase a home.  We continued to search and found you..  Even with our bad credit, they financed the purchase o f our home when everyone else turned us away.  I’m very thankful that your company cared enough to disregard our past credit problems and gave us a 2^nd chance.  We now have a 3 bedroom split level home on 3 acres of land, and it’s beautiful.  We are now planning an outside wedding.

C.D. and family, proud homeowner of a 4 bedroom, 2.5 bath 2-story home in St. Charles County

I am a single mother of three children who experienced financial hardship for a few years following my divorce.  I have always dreamed of owning a house that we could call home for the years to come, a home that my children would come home to even after they left the 'nest'.  Needless to say I have found this with the help of Paul and his staff.  Paul patiently sat with us and reviewed the financial history to determine if we qualified for the home that after one drive by I knew was the one.  Paul reviewed the process which turned out to be very  simplistic and did not come along with much of the frustration and headaches of purchasing a new home.  We were able to move in quickly and begin our new lives.  Words don't adequately express my gratitude to Paul and his family for providing this opportunity. Thanks a million!!!

K.J. and Family - Proud homeowners of a split-level home in St. Peters 

We tried, of course, to get a conventional loan, but found to our dismay we needed too much down for anyone to finance us.  We were ready to give up when we saw the ad in the paper that suggested missourihomeowner.com.  I checked it out and found the house of our dreams, but again thought it was unattainable, that it was too good to be true.  I tried to find loopholes in Missourihomeowner.com to see if there were hidden addendums that you wouldn’t know about at first.  Extra costs, legal rules & such.  Nothing! All on the up & up.  Paul and his staff made it so easy to purchase our home even with all our credit problems.  We’re about as bad as they come when it comes to bad credit.  We met with Paul and then met with the mortgage company for our consultation.  He was wonderful too!  If you can’t get a house due to credit problems, we strongly recommend checking them out and you’ll be amazed just like we were.  This is my first home and it was pure joy finding it, paperwork, etc. everything was all spelled out with no surprises!  I still find it hard to believe that we own our own home and we’re not renting anymore!  It was all fast, easy and most of all painless.  Now, our credit is on the incline and Paul and his staff are helping us every step of the way!  Thank you so much!

G.K. and family, proud owners of a four bedroom, two bath ranch home in Florissant

My wife and I really needed a more suitable home for our family of five, but we were only a year out of a bankruptcy and had very little up-front cash to work with. We met with Paul James and signed a bid that evening. His company approved us for the home loan within four days, and set us up with a certain plan to assist in re-establishing a solid credit rating. Paul has also been a very accommodating and honest individual with whom to do business, and has graciously backed-up every assurance made to us during our real estate transaction. I recommend them whole heartedly.

For more Audio Recordings from our homeowners visit our Available Homes page.