My family needed a new home convenient to my husband's ailing parents. We found the perfect one but then my mortgage application was denied. So I wrote to Kay about how much we loved her mother's old house and proposed that she seller finance the property. I could tell the idea made her nervous but she said she'd do some research and think about it. If she hadn't found Virgin Money I really don't think she would have done it. Really, Virgin Money is the only reason we're here.

After we met, Kelly sent me this handwritten letter which just showed how much they really wanted the house, and asked me to consider financing the sale myself. That's when I went to the web and typed in 'owner financing' to Google. That moment changed everything. Virgin Money is the buffer that makes it all work and is exactly the solution I was looking for. Also, the electronic funds transfer is important; I wouldn't have done it if I had to deal with checks every month. I recently visited the house and saw that Kelly and Bill have really poured their heart and soul into fixing it up. I have to say that I'm really just delighted with how it's worked out.