Accelerated Home Ownership Program
HOS FINANCIAL INC has developed an accelerated home ownership program to help families realize their goal of home ownership.
The Canadian dream of home ownership is becoming harder to achieve in today’s financial landscape. It is more difficult to qualify for a mortgage given the new regulations of the Canadian Government and the lending community. Saving enough money for a down payment, meeting increasingly stringent credit requirements and qualifying for a mortgage are the major factors that are stopping many of us from owning our own homes.
HOS Financial Program
The HOS FINANCIAL program built on the principles of the Home Owner Soon Rent to Own Program introduced in 2002 helps individuals and families overcome all of these hurdles and achieve home ownership. We have very flexible options to ensure success on the road to home ownership. We bring to bear an experienced team that develops a custom plan for each person and family.
This unique plan will address the client’s needs and will also work with lenders and credit counselors with the goal that each person will be able to take on their mortgage on the purchase date.
HOS RTO Properties
Our homes are typically located in the Golden Horseshoe and South Western Ontario, stretching from Ottawa to Windsor and as far North as North Bay.
All of our homes are on municipal services. The properties acquired within our program are all in good condition with no deferred maintenance. They are assessed by an accredited home inspector as well as appraised to verify the current value.
A Unique Model
Our unique concept offers the pride and benefits of home ownership to the everyday individual. We customize a structured plan to help them achieve their goal more quickly and efficiently than they would otherwise. At the same time, we create an opportunity for our investors to enjoy the benefits of investing in a diversified real estate portfolio in a tax efficient manner. Our model is structured with a projected target of 9% return on capital and profit sharing. As investors, you are investing in our unique concept that addresses a profound and unmet need in the marketplace: a concept supported by our industry partners and our management team.
What sets us apart is our team of experienced industry leaders whose expertise is deployed in every stage of our program. Our team is made up of Mortgage Professionals, Real Estate Professionals, Investment Strategists and Experienced Business Managers. Our Partner network keeps us to close to FISCO regulated officers, all property acquisitions are OFSI-regulated and our appraisers have DAR or CRA designations. Our executive team has over 175 years of combined experience with rent to own products, property management, financial services, and managing large scale operations.
Traditional rent-to-own businesses often struggle to find investors when they already have a client base, causing delays which make the business look unprofessional and leave the clients feeling uneasy.
Our business model focuses on secured funding, which enables us to avoid delays, increase inventory and profits, while ensuring client satisfaction.