How to buy a house with no money or
job? I know, I know. Noelle sounds crazy telling you that you can buy a house with no
money or a job. And that is absolutely true. I've done it. Other students have done it and I'm
going to tell you how you can do it too. Let's go. I'm going to share with you a detailed
step-by-step process on how you can buy a home with no money or job legally and ethically.
I'm going to share with you the biggest trap to avoid so that you don't get messed up while you're
trying to do this. And I'm going to share with you a sneaky little way to end up with a nice
house with no money or job. There are so many benefits to owning a home and you want to
become a homeowner. I own dozens of properties and I absolutely love it. It's changed my
life and is the business that I enjoy doing. I'm literally inside of one of my Airbnbs right
now in Florida and I love doing this. But it all started with buying properties. I started
from my parents' basement and now I am a wealthy millionaire. I have lots of properties.
I have a great net worth. I'm able to pass these properties down to my kids or my grandkids.
And I've been able to leverage my properties to buy more properties and get income and cash
flow in the process. I could go on and on about all of the benefits of owning real estate but
there are just too numerous. Real estate is still the number one way to wealth. 89% of all
millionaires have been created so through real estate and that was true 100 years ago and it's
still true today. So, you are definitely on the right track getting into real estate. So, let's
talk about how you do it with no money or job. So, the secret sauce to getting all of this done
is a concept in real estate we call subject to. Subject to has been life-changing for me and
it was one of the things that has catapulted my net worth. When I found out that I could buy
properties for pennies on the dollars, I was able to get more houses than I could even keep. It has
been the funnest thing in the world and this is how you can get it done. So, let me tell you.
"Subject to" is a concept where you are buying a property from someone and you are leaving the
mortgage in place. Essentially, you buy the home "subject to" the existing financing staying in
place. Meaning, I am buying this home subject to, again, with the condition of you leaving the
current mortgage in place. Now, you usually have to take over those payments and you and the seller
can write up a different agreement. But the deed and the title and all of that is in your name.
I've closed on property subject to and it has been life-changing for me. In fact, I was able to even
get properties for just a few thousand dollars and I'm going to explain to you how you do that. Just
wanted to make sure you understood the concept. So, like I said, buying a home subject to is very
simple. It's just like buying a home but you leave the current mortgage in place. So, let me tell
you about the traditional home buying process. When you usually buy a home, you usually have
to get financing. Meaning, you have to get your own mortgage. You have to get qualified from
a mortgage lender. You have to show them your income, your assets, your employment, your credit.
And they have to qualify that you can pay for that mortgage. And many of you guys already know
getting qualified for a mortgage can be daunting. And in some cases, most people get declined. It
really does depend on your situation. But if you have a situation where you don't have a job and
you don't have very much money, most likely you're not going to be able to buy a home the traditional
way unless you can buy it cash. Which is not really a smart idea. Just being honest with you.
But anyway, the traditional home buying process is very daunting. So, if you have a situation where
you don't have stellar credit or you don't have income that's stable and continuing, you're
probably not going to get approved. However, if you do subject to you don't have to worry about
that. So, let me give you all of the details now that you understand what subject to is and why
you don't want to go through the traditional home buying process. So now, that you understand
subject to, I know you're probably thinking, "Noelle, why would anyone sell me their house and
leave the mortgage in place? That sounds super risky for them. That sounds like they wouldn't
do it. Those are some of the comments that I get. But let me give you the answer because it's a
very simple one. You need to find someone that is having financial distress. Financial distress
opens people's minds just being honest with you. If someone is past due on their mortgage or they
lost their job and so they lost their income and they're not going to be able to pay for that home,
that creates a situation where they're going to be looking for a solution. Most people do not want to
go through the foreclosure process. Most people do not want to try to sell a home that needs repairs
and then fix the house up and then try to sell it. Most people do not want to do this. So, if they're
having a situation where they are in some type of financial distress such as foreclosure, job
relocation, divorce, bankruptcy, someone got sick. You know, I can go on and on about all of the ways
that I've done subject to's. But the bottom line is you need to market to people that are having
an issue with their mortgage. These are the people that are going to be very open to you taking over
that mortgage payment for them. Especially if you can write a contract like Noelle does where you
specify how long you will have that mortgage in their name and you have a situation where you
know you are fixing your credit or you know you have the money later or you even could refinance
it now. But you want to start making money on it. This is the perfect opportunity for subject to.
There's millions of mortgages currently in default right now in the United States. This is the
perfect opportunity to start marketing to those people and get a property subject to where they're
not going to require you to have money or a job. Well, they may need you to have some money
to catch those mortgage payments up. So, let me tell you how you get the money because
I've already told you, you don't need a job. You're not assuming the mortgage, you're not
going to call the mortgage company you're buying the home subject to. So, the fact that you don't
have a job is not a big deal. But you're going to need a little money if their payments are past
due. So, let me tell you how to get the money. So, in a situation with subject-to, when you are
not involving a bank, you can borrow the money. Essentially, you could have a line of credit,
you could have a credit card. You could have your friend, your mom, your dad, whoever give you
the money in order to buy that home so long. As you're able to take over those payments and move
into that home or turn it into a rental property, you will be okay. You don't want to put the person
that is currently in a financial situation in a worse financial situation. You need to be
someone that can take over that mortgage or be connected to someone that's going to take
over that property and that can handle that mortgage. Again, very easy to find. It depends
on what you want to do. But if you need the money for to catch the mortgage payments up for example,
giving you an example of someone that's 3 months behind on their payment. This is a super easy
way to start getting property subject to. Targeting people that are behind on their
mortgage payment you send out some letters or you put out signs that say "Behind
on your mortgage payments? We can help." They will call you and then you're going to
need the money to catch that mortgage payment up and to be able to continue on the mortgage. That's
really all you need. So, if they're just behind 3-4 months and you just need 5 or 6 thousand
dollars, I've been able to get properties just for that amount and you can too. So, I have created
an entire book teaching you all of this and I am going to give it to you absolutely free. I have
a book called real estate millionaire secrets. I have poured my heart into this book teaching you
everything that I did to take me from my parents basement to a multi-millionaire in real estate.
I found ways to buy houses with almost no money. Ways that I'm teaching you and i have a whole
book where I break it down and I even give you some checklists and worksheets and things like
that so you can implement it. And the best part, it's absolutely free. Visit Noelle's free book.
That's Noelle (N-o-e-l-l-e-s), noellesfreebook.com and check it out. I want to make sure that you
have all of the resources, all of the knowledge and all of the tools that you need to be
successful. This is Noelle. To your success.
