Hill Country Home Solutions

We have many different programs to meet the individual needs of our clients. The programs can vary depending on the requirements of any given situation. We will ask questions to determine what the driving factors are and try to tailor a program to best fit your needs. In some cases a cash purchase is the appropriate solution and in others it is not. Factors that go into this decision include price vs. value, time frame, house condition and location.

What is your interest in the house?

We are not real estate agents looking to list your house, we will actually buy or lease/purchase your home (depending on your situation) with the intent to sell it. If you need all your cash up front we cannot pay the full retail value of the house. If you are willing to wait for your equity, we work on a scale that is directly dependent on the amount of time you are willing to wait for your equity. The longer you can wait the more we can usually pay.

How quick is the process?

Given the qualifications of price, house condition, market condition and other driving factors we can often move very fast. Depending on what your needs are. When required we can make an offer in as little as 48 to 72 hours. Whereas in other cases we can extend the time frame to thoroughly explain everything and walk through the entire process. This is directly dependent on your needs and your schedule.

My house is in need of repair, what can you do?

We often work with houses that are in need of repair. This basically includes any house that is not ready for immediate move in (except possibly paint and carpet). We work with houses anywhere from a bad roof to serious foundation repair. In these cases we can usually provide a cash offer, however, at a discount. The amount we can pay is varied based on the after-repaired value of the house and the estimated cost of repairs. However, we must account for not only the cost of repairs, but also holding costs (principal, interest, taxes, insurance and utilities) during the repair time. We will adjust our offer accordingly.

I am facing foreclosure, what can I do?

Foreclosure can be a difficult situation for any family to go through. If you are behind on your payments and it does not look as if you will be able to catch up then you should contact us as soon as possible. We can often help, but in many cases it can take a significant amount of time to work with a bank to resolution. Therefore we request as much time as possible. We can not help in every situation but we will do our best to explain the process and walk you through your options.

Are you real estate agents?

No. We are not real estate agents and we are not associated with any real estate agency. We are private investors in the Austin, Texas area.

I need cash right away!

There are multiple programs that a house can qualify for. The primary factors affecting "cash out" of the house is the equity available and the condition of the house (clean and ready for move in, or in need of repair). If a cash offer is required a discount is subsequently often necessary. If, however, you can wait on your equity it is often the case that we can pay much closer to your asking price.

I have lots of questions, who can I talk to?

The best choice is to talk to a Hill Country Home Solutions representative directly. There are multiple ways to contact us. Just call (512) 288-1234 or fill out our web form form and provide a little information to get you started. An HCHS representative will respond shortly thereafter.

Buying a house...

What are my options for buying a home?

There are two options depending on your individual situation. One is the traditional route where you go to the bank. However, the second option is an exciting way to move in right away and start owning a house without bank qualifying. 1) All of our homes may be financed with a new loan and, depending on your credit, we may be able to get you financed with no money down, and possibly no closing costs. We work with several lenders that will customize a plan to fit your individual needs. 2) If your credit history is new, less than perfect or you just aren't ready to go to the bank we can still move you in now and give you time to establish a good history or clean things up through our Lease/Purchase Program.

How does the Rent-to-own program work?

We provide you with a "rent to own" opportunity, with no bank qualifying, to begin the process of owning your own home. This allows you to live in your home, to stop throwing away rent money, and to begin building a down payment and equity towards the purchase of your home. Imagine being able to move into your own home without going to the bank! This is a huge opportunity.

Is a down payment required?

We usually ask for a 5% up-front down payment. This all goes toward the price of the home. This is your investment in the home you are purchasing. Our goal is to assist you in eventually obtaining financing for your home. With a down payment to apply toward the price of the home lenders are more willing to provide better terms and lower interest rates.

Is part of our monthly payment applied toward the price of the home?

Yes. We also have a down payment assistance program that increases your down payment credit even more rapidly. You may pay $100 a month more than the monthly payment. We will match that with an additional $100 credit so, after a year, $2400 is added to your down payment credit. This is all deducted from the price of the home, plus many lenders will provide better terms and lower interest rates when a substantial down payment is given. What this means is that you can start building the down payment while living in the house.

How long can we lease/purchase?

The terms of the agreement are typically for one year, with the intent to assist you in obtaining financing by the end of the year.

How do I get started?

We have Featured Homes listed on this website. Most of these houses are available for Lease/Purchase and all are ready for immediate purchase. Once you find a house you like we have a one-page form (or call 288-1234) that can fill out to provide us with basic information. This helps us determine the time frame for assisting you.

How long before we can move into our new home?

Many of our homes are available immediately. In some cases, the homes will be vacated in two weeks to a month. The circumstances vary from home to home but we will try our best to accommodate your situation.

I think I know someone who might be interested; do you pay a referral fee?

Absolutely!! If you bring us tenant/buyer and it goes to contract we will pay you $250 for referring us. This is not a one-time offer. You can do this is often as you like for each of the houses we have and new ones are coming available all the time.

What is your policy on Equal Opportunity Housing?

Hill Country Home Solutions strictly adheres to the laws of Equal Opportunity in Housing.

As a home buyer working with Hill Country Home Solutions, you can expect the following:

Housing in your price range made available to you without discrimination;
Equal professional service;
No discriminatory limitations on communities or locations of housing;
Reasonable accommodations in rules, practices and procedures for persons with disabilities;
Non-discriminatory terms and conditions for the sale, rental, and financing of housing
To be free from harassment or intimidation for exercising your fair housing rights.

As someone who is selling your home to Hill Country Home Solutions, you can expect the following:

As a home seller or landlord you have a responsibility and a requirement under the law not to discriminate in the sale, rental and financing of property on the basis of race, color, religion, sex, handicap, familial status, or national origin. You cannot instruct the investor to convey for you any limitations in the sale or lease because the investor is also bound by law not to discriminate. Under the law, a home seller or landlord cannot establish discriminatory terms or conditions in the purchase or lease; deny that housing is available, or advertise that the property is available only to persons of a certain race, color, religion, sex, handicap, familial status, or national origin.