Frequently Asked Questions

Frequently asked questions

Comprehensive answers to your most commonly asked questions.

General

Zomelle is buying homes in Central PA:

Lancaster, Lititz, Ephrata, Manheim, Mount Joy, Millersville, Strasburg, New Holland, East Petersburg, Elizabethtown, Willow Street, Columbia, Mountville, Bird in Hand, Intercourse, Quarryville, Marietta, and Akron.

*We also buy select homes in York County, Dauphin County, Lebanon County, and surrounding areas.

What types of homes does Zomelle buy?

Single-family residential homes, including condos and townhomes.
Multi-family 2-4 unit residential investment properties.
Homes with a value of no more than $300,000.

Can I still sell to zomelle if my home is listed with an agent?

Yes. Even though you don’t need an agent to sell your home to Zomelle, if you’re already working with an agent or your home is currently listed, we will work with your agent directly. Simply have your agent submit your request for an offer on your behalf or submit your home with your agent’s information and we’ll take it from there.

Does Zomelle offer any other buying options?

Lease Option

The advantage of a Lease Option (Lease with the right to purchase) is to rescue sellers who owe more than their home is worth. We have a network of buyers who are willing to pay you more for your home.

The buyer takes complete control of the home and you are not left with any repair costs or rental concerns. Plus you retain the title (mortgage deed) until the buyer exercises their right to purchase the home.

Owner Financing

Owner Financing your property means that you can sell your home over time. This allows your home to become a long-term investment, where you reap the benefits of monthly income, increased interest rates, and deferred capital gains taxes.

Pricing

Is there any cost or obligation if I request an offer?

Receiving an offer on your home from Zomelle is free, and comes with absolutely no obligation to sell. To get started, click “get an offer” on the bottom of this page, and we’ll walk you through some quick questions about your home’s condition, features, and upgrades.

How is the offer price for my home determined?

Your home is carefully evaluated by a team of real estate experts who specialize in your market. Using their knowledge, combined with predictive market analysis technologies, Zomelle is able to provide our clients with data-driven competitive offers.

Does Zomelle negotiate on their offer price?

Our team of real estate experts work hard to make sure that our initial offer is fair and a competitive market price. However, if you feel that we’ve missed something about your home that affects our offer – we want to know. Please feel free to contact your Home Specialist and we’ll be happy to re-evaluate your property.

How does my offer price compare to values on sites like Zillow?

The home values found on sites like Zillow, Trulia, Realtor.com, and Redfin, are determined by the site’s individual computer-generated algorithms. Those values are limited by the data that is available to them through public record. They look at the market’s history; not where it’s going.

While our offer is not intended to be an appraisal of any kind, it is a real and actionable offer and is based on careful analysis by our team of real estate experts. We take time to evaluate and understand your home’s unique features and condition in the context of the market’s inventory and future supply.

Accepting our offer

How do I accept an offer?

You officially accept our offer by signing the purchase agreement. Once Zomelle, you (and any other sellers on the deed) sign the agreement, we are officially under contract.

How do I sign the purchase agreement?

Zomelle makes it easy to sign your documents online using one of our electronic signature providers.

About the inspection

Does Zomelle look at my home in-person?

Yes. Zomelle will perform a free, on-site inspection of your home within 15 days of the signed agreement. The purpose the appointment is to verify the specifications of your home, its condition, and identify needed repairs.

Who will be inspecting my home?

Either an Zomelle team member, partner or licensed property inspector will perform the inspection. If specialists are needed, we will consult with a licensed contractor to provide additional insight and expertise about the home’s condition. We will work with you to coordinate the scheduling of all property inspections.

What areas of my home are you looking at?

Zomelle will need access to your entire home during our inspection. When your inspection is scheduled, we will provide you with a guide that will help you prepare for the inspection and provide you with an overview of the most common items we evaluate during the inspection process.

About closing

How quickly can I close?

Closing dates can be scheduled anywhere from 10-60 days.

Can I change my closing date once I am under contract?

Yes, we can adjust your closing date at any point throughout the selling process. You have up to 60 days to close on the sale of your home to Zomelle and we are able to adjust this date within this period to your schedule.

How does my mortgage get paid off?

The title company or attorney office handling the transaction will send the final payoff payment to your lender, the remaining funds will be wired to your bank account.

When do we sign the closing documents?

The title company or attorney’s office handling the transaction will schedule a convenient time for you to sign the closing documents. Typically, the closing takes place at the title company or attorney’s office although you may also request a mobile notary come to you. The date this happens is called the closing date or close of escrow. On your closing date, the sale is recorded on public record and the funds are distributed. The timing of this varies depending upon the state you live in and the time of day you sign your documents.

General

What is Zomelle?

Zomelle allows renters to transition into homeownership. We give you a way to confidently secure and pre-finance a new home with the long-term benefits of owning and the flexibility of renting.

How does Zomelle compare to renting?

Zomelle allows you to rent a home until you can buy it using a mortgage. We help you transition to homeownership which is cheaper than renting, ultimately saving you money. Zomelle also allows you to move into your dream home and customize it from day one.

How does Zomelle compare to a mortgage?

The Zomelle Homeownership Program is a great stepping stone to a mortgage, which we’ll help you get.

How long is the homeownership program?

We are a 1-year program. You can buy the house anytime within that period.

How does Zomelle make money?

We make money from the rent you pay us during the rental period, and the home purchase at closing.

Where does Zomelle operate?

We’re currently in Central Pennsylvania. If you reside in another area and would like us to come to you, please reach out at hello@zomelle.com.

Application

How do I apply?

Fill out our application form in less than 2 minutes and we’ll be in touch!

Who is eligible for Zomelle?

Anyone who wants to own a house in the future should apply here.

How do you decide my home budget?

Our prequalification process is rigorous. Your home budget is the maximum house price that allows you to (1) make monthly rent payment, (2) save for a down payment, and (3) get a mortgage in the next 12 months.

What documents do you require?

For traditional employment (hourly, salaried, or commissioned), we verify income with the following items:

Most recent tax return or W2
2 recent paystubs
2 most recent personal bank statements

For self-employment or contract employment, we verify income with the following items:

Most recent tax return (1040 or 1099)
2 most recent personal bank statements
2 most recent corporate bank account statements and most recent K-1 showing percentage ownership (if applicable)

Picking a home

How long does it take to move in?

It typically takes 2-4 weeks to complete the entire process.

What homes are available with Zomelle?

You can move into any single-family home available in our inventory that is for sale and priced between $150,000 and $400,000.

Rental period

What happens after I move in?

You rent the home from us and then purchase it at any time throughout the 12-month lease.

Can Zomelle help me improve my credit?

Yes! We can provide general advice and can also refer you to credit specialists. We’ll even rebate your rent when your credit score goes up.

What are my Zomelle payments?

Your monthly payments include rent and a portion of that builds up your down payment. We also ask for an option deposit to secure the right to buy the home over 12-months. That’s it – no hidden fees or charges!

Are my monthly rent payments applied to the purchase price?

Yes, a portion of your rent goes towards Homeownership Credits. That amount adds up to the down payment you need to buy the house within a year – so you can go straight from paying rent to paying a mortgage, without any other expenses.

Can I have pets in my home?

Yes! This is your home, after all. You just need to register your pets before moving into your Zomelle home.

Do I pay for taxes, insurance, utilities, maintenance, etc.?

We pay for taxes and homeowners’ insurance while you rent. You will pay utilities and, as though you owned the home, small maintenance items under $500 (anything more than $500, we’ll split with you). Overall, owning your home is cheaper than renting it!

Buying the home

Can I buy a home in the middle of a lease term?

You can purchase the house anytime throughout the lease period.

Do you provide me with a mortgage or other financing?

We don’t provide you with a mortgage, but we can refer you to lenders and local banks who will assist you with a mortgage.

Can I use a VA, FHA, USDA, or other kind of mortgage?

Absolutely! And if your city, county or state offers assistance programs, Zomelle is also happy to work with these. We can’t guarantee you’ll be eligible but can facilitate introductions to lenders and local banks.

What fees or closing costs should I expect when I buy the home?

All the fees and closing costs will be covered by your Zomelle down payment fund, so you’ll only be responsible for your monthly mortgage payments!

Who is Zomelle?

Zomelle is a real estate investment company specializing in buying and selling single-family residential homes.

Additionally, Zomelle allows renters to transition into homeownership with our lease program. We give them a way to confidently secure and pre-finance a new home with the long-term benefits of owning and the flexibility of renting.

Where is Zomelle buying homes?

Zomelle is buying homes in Central PA:

*We also buy homes in York County, Dauphin County, Lebanon County, and surrounding areas.

What types of homes does Zomelle purchase?

We buy the following types of homes:

Single-family homes
Townhomes
Duplexes (select markets)

*We do not buy pre-fabricated or mobile homes. Additionally, we typically buy homes where our valuation is between $100K – $400K.

I’m an agent. How do I contact Zomelle about my questions?

To learn more about how we work with agents, contact us at agents@zomelle.com.

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or call: 888-886-5006

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