How I bought a home with no credit? Every bank said no. Oh, yeah. You heard that right.
You can buy a home with no credit even if you have
terrible credit and bad credit, you can do it. I'm going to tell you how, let's go.
I'm going to share with you my real step-by-step process on how to buy a home without using credit.
I'm going to share with you the big secret that no one tells you about how to get a deal done.
I'm going to share with you a real script that you can use today that still works. There are so many
benefits to homeownership and it is very important in your wealth-building plan. I know. So,
many people say that you do not need to buy a home anymore, that that is old school. And yes,
in many cases, I am not saying that you should buy a home and live in it because that is not a great
investment. But when we are talking about buying a home from Noelle's perspective, I am teaching
you how to begin your wealth-building plan. And it is going to require you owning some real estate.
But you do not have to have good credit. I literally started investing in real estate from my
parent's basement. I was bankrupt, I have multiple foreclosures and I have some of the worst credit
that you could imagine. I did not have any money. So, I was not really a person that you would think
could become a real estate investor but that was not true. I started going to real estate
investor meetings and I met a guy that taught me wholesaling. He taught me how to start finding
people that were having property problems. You know, behind on their mortgage payments like I had
been. And getting those properties under contract and then flipping those contract for a fee of like
$5,000. I started doing that from my parents' basement and that's how I got my sorry butt
out of my parents' basement into the millionaire that you see today. So, this is all possible even
if you have bad credit. But the important thing to know is you are going to need to start buying
real estate and owning real estate if you really want to change your financial status. So, now,
let's talk about how we do that even when the banks say no. So, like I said, step one is going
to be starting with a property problem. When I was in my parents' basement and I had no money and bad
credit, my coach taught me how to start putting out bandit signs. He said put out signs that say,
"Behind on your mortgage payments? Call us." Or sign that said, "Facing foreclosure? Call this
number." And start putting out ads on Facebook and Instagram and google that asked people if they
were behind on their mortgage payments and telling them I could help. It was an amazing game-changer.
All of a sudden, my phone was ringing and people were calling me to help them even though I had
bad credit and I really couldn't buy their home, I was tied to a network of cash investors. Again,
I'll tell you how to do that because that's super simple. But more than anything, he taught me that
if you could help someone that was behind on their mortgage payments, there were tons of investors
that would buy those deals. And they would pay me handsomely for them for connecting those sellers
that were behind on those payments to those investors that wanted new fix and flips or rental
properties. When I began marrying those 2 people together, I started making a fortune. So, in other
words, you can invest in real estate with bad credit and no money and even help people and to
make money in the process. But step 1, start with property problems. Step 2, market to find sellers
or property owners. This is the second step and it's very easy. I started telling you that my
coach told me to put out signs and to do letters. That's all you need to do. That is marketing. In
other words, you're advertising to find these people. Getting them to call you and then taking
those calls and those leads and turning those into profits. It's really easy to do. It's not
very expensive and there's a ton of ways to do it online and offline. Online, you can run Facebook
ads, google ads, pay-per-click. There's all these types of inexpensive ads that you can run.
Offline in the world, you can put out signs. You can mail letters, you can put door hangers
on people's doors and start getting leads. It doesn't cost very much money but then when these
people start calling you, you can buy those homes. You don't even need to deal with the bank and you
can avoid banks altogether by dealing directly with the people that own the properties. So,
before I get to the next step, make sure you like this video, make sure you subscribe to my channel,
make sure you click that little notification bell so you do not miss any of this content that I am
bringing to you almost every single day absolutely free. Make sure you do it. The next step,
convert. This is so easy but this is the part that people have an issue with. They don't know
how to get all of those leads and turn them into a deal. Now, again, you can buy a home from any
of these sellers and deal with them directly and convert them where you can live in the property
either where they're financing you or if you lease the property from them and then you purchase it
later. That's called a lease purchase or a lease with a purchase option. There's different ways to
get this done and it doesn't require much money and it definitely does not require you to deal
with a bank. Even if you do something that we call "subject to", you still do not use a bank.
Subject to is where you buy a home subject to the existing financing that mortgage staying in the
seller's name. This was a complete game-changer for me and it's absolutely legal and ethical. It's
how I built my portfolio to over 40 properties and was able to quit a six-figure job. This is
how I started getting properties when every bank was telling me no even before I was able to get
my credit back. I started wholesaling the deals to get some money for myself and then some of
the leads that I wanted to keep for myself. I got my own property this way.I was able to talk
with the sellers directly and deal with them and negotiate with them. There's so many different
things that you could do to either make money off those leads or to get a house for yourself.
Either way, it's okay with me but I'm going to tell you you want to start making those into
rental properties so you can really change your wealth. So, last step is again, to solve. So,
one of the things that my student did that I need to tell you about is using subject to to get their
own property. Like I said, you don't even have to deal with banks. So, if banks are telling you no
or if you have bad credit or you don't have a job that has pay stubs and W2's. So, it's really hard
for you to get financing, you can use subject-to as a way to get properties. You can buy them
subject to and I just had a student do it. I had a student take all of the things that I just told
you and they ran some Facebook ads asking again, "Is your mortgage currently in forbearance?"
Because of the pandemic, a lot of people put their mortgages in forbearance. And eventually,
that forbearance is going to end because what forbearance means is they just suspend the
payments for a certain amount of time. They do not stop, they don't report it on your credit report.
But at the end of the forbearance, all of those payments are due. So, unfortunately, it's going
to create a situation where there's going to be a ton of modifications and foreclosures coming
in our economy. And you want to be on the other side of it. You don't want to be someone that's
losing your home to foreclosure. You want to be the person that's grabbing up these foreclosures
and making money. Noelle was on the other side of this in 2009. But in 2021 and 2022, I used the
same disasters as advantages and opportunities for my business. You can do the exact same
thing. One of my students just bought their own property using "subject to" marketing, putting
out a Facebook ad that asked that people were in forbearance and saying that they could help
using all of those leads and talking to people and they took over that person's mortgage and moved
into that home. So, this is something that anyone could do. You just have to start marketing and
follow the steps that I've shared with you. So, I have created an entire course that I want to share
with you that teaches you all of this absolutely free. Please go to noellesfreetraining.com.
Noellesfreetraining.com. It's an entire course that I created just for you. I teach you my exact
formula to investing in real estate without using your credit and without losing money.
It's an amazing training that was a little bit too long for me to put up here. But is
the perfect training that you can use and it is absolutely free. Noellesfreetraining.com.
Because I want to make sure that you have all of the resources, all of the tools,
and all of the knowledge that you need to be successful. This is Noelle. To your success.