The experience that started it$15,000Money ready for a home—but the bank still said “not yet.”
Why Homes 4 Holmes exists
A program built from
a family experience.
Justin’s mother received about $15,000 from an accident settlement. She had steady income, money ready for a home, and a serious desire to become a homeowner. But because of where her credit stood at the time, the bank would not approve her yet.
She had to wait about six months before she could qualify for a mortgage. During that entire time, she already knew she wanted to buy. She did not need someone to tell her to keep dreaming—she needed a practical bridge between being ready in her heart and being ready on the bank’s paperwork.
“She could have been living in the home she wanted while working toward approval instead of sitting on the sidelines waiting for the bank to say yes.”
That experience became a major reason Justin is passionate about rent-to-own and lease-purchase homes in the St. Louis area. Homes 4 Holmes is designed to help qualified buyers secure a home, agree on a purchase price, and use the next 36 months to work deliberately toward mortgage approval. Buyers can purchase at any point during that period once they are ready and approved—they do not have to wait until the final month.
