Smart, Creative Real Estate.
Helping investors and families to invest smarter, create homeownership and build generational wealth.
Legacy planning for 3 little bears
Welcome to Goldilocks Homes, a family owned company based in St. Catharines, Ontario. We specialize in creative real estate solutions that help individuals and families unlock homeownership and build generational wealth, without having to leverage their own credit, or rely on banks to pre-approve them for a mortgage.
Explore creative real estates solutions with us like Agreement for Sale, Rent-To-Own, and Vendor Takeback. Each strategy comes with it’s own set of benefits, depending on your goals. Get in touch to learn more about how you can leverage seller financing to acquire for your first (or next) property with Goldilocks Homes.
About Our Company
Our journey started with a vision to empower ourselves and achieve financial freedom, a simple yet powerful goal: to create a better future for our daughter, and our families while serving our community with integrity and compassion.
We believe that real estate is more than transactions. We understand that every family’s needs are unique, which is why we offer personalized home-buying and selling solutions, including seller financing and other creative real estate strategies.
At Goldilocks Homes, you’re more than a client — you’re part of our extended family. We pride ourselves on being approachable, transparent, and deeply committed to your success. Whether you’re looking for your first home, upgrading to something that fits your growing family, or exploring real estate investment opportunities, we’re here to guide you every step of the way.
With a passion for helping others flourish and a vision rooted in family values and success we’re building a legacy — one home at a time. Let’s create a future that’s “just right” for you.
How Does Our Company Operate?
We Make an Offer
We determine a fair market value for your home and put together numbers that make sense for everyone.
Agree on Details
We solidify a price that you’re happy with, sign the paperwork, provide a deposit, and take over payments.
Your House is SOLD
We take care of everything so you don’t have to lift a finger. If you have any questions, we’re here to help.
Meet the team at Goldilocks
Josephine & David Beare
Founders | Real Estate Investors | Creative Financing Specialists
Josephine and David Beare co-founded Goldilocks Homes with a shared passion for real estate and a heartfelt mission to help families achieve homeownership and build generational wealth in St. Catharines, Ontario. With a combined 18 years of experience in real estate investment, including buy-and-hold properties, seller financing, and creative financing strategies, they are trusted experts in crafting personalized solutions that benefit both buyers and sellers.
Josephine brings a unique ability to identify win-win opportunities and guide clients step by step, ensuring every real estate journey is meaningful and rewarding. Her focus on long-term rentals and wealth-building strategies reflects her dedication to helping families achieve lasting financial security.
David complements Josephine’s expertise with a keen analytical mind and a talent for deal analysis and home renovation. His problem-solving approach and results-driven mindset make him an invaluable partner for clients navigating the complexities of real estate.
Beyond real estate, Josephine and David are a family-focused team who love spending time with their daughter, hiking, gardening, and exploring nature. Their shared love of travel and cultural exchange has led them to host international exchange students for over a decade, fostering a rich understanding of diverse traditions, languages, and cuisines.
Deeply grateful for their blessings, the Beares are committed to giving back by supporting children’s education through fostering programs in Indonesia and the Philippines. Their commitment to community and family values is at the heart of everything they do, making Goldilocks Homes a trusted partner for real estate success.
Frequently Asked Questions
What Happens If...
We totally get it—real estate can come with a lot of “what if” questions, and that’s completely normal! At Goldilocks Homes, we know how important it is for you to feel secure and confident every step of the way.
That’s why we take the time to explain our process in a way that’s easy to understand and ensures you’re comfortable moving forward. No question is too small, and we’re here to guide you with care and clarity.
Let’s set up a no-pressure, no-obligation call to chat about your questions and walk through how we can help. We’re here to make sure everything feels just right for you!
As a seller, are there any risks using this method?
At Goldilocks Homes, we’ve designed our process to completely mitigate risks for sellers, so you can feel confident every step of the way. Here’s how it works:
Since we leverage a rent-to-own structure, the home stays in your name until the tenant qualifies to purchase it. The tenant becomes what’s called the “beneficial owner,” giving them the ability to buy the home at the agreed contract value (minus any credits) at the end of the term.
To keep everything secure, the tenant carries their own insurance, while your existing insurance policy stays active as an extra safeguard for rare scenarios like a fire or flood—just like you would with any rental property.
With these measures in place, we’ve got you covered, so you can enjoy peace of mind while helping someone take their next step toward homeownership!
Why wouldn't I just sell or rent my house?
Selling and renting both have their challenges, especially in today’s market. Here’s why our program offers a better alternative:
Challenges with Selling:
Selling a home in the current market often means dealing with long listing times, few showings, and low-ball offers from buyers shopping for the best deal. Even if you do get an offer, you’re likely deducting hefty realtor commissions, early mortgage payout penalties, and closing costs from an already reduced price.
With our program, you avoid these headaches entirely. You receive a full retail market price offer, skip the buyer’s agent commission, avoid early payout penalties (as we structure the closing around your existing mortgage), and eliminate closing costs. It’s a win-win that puts more value back into your hands.
Challenges with Renting:
Renting can be just as stressful:
- Dealing with Strangers – You’re handing over possession of your home to someone you don’t know, often with just a month’s damage deposit.
- Ongoing Maintenance Costs – As the landlord, you’re responsible for repairs and upkeep throughout the tenancy.
- Tenant Issues – Late payments, excuses, and the potential for a long eviction process can create unnecessary headaches, especially with tenant-friendly laws.
With our program, tenant-buyers put down a significant deposit upfront, which means they’re financially invested in the property. They are responsible for all maintenance from day one, and payments are handled automatically—no chasing rent or worrying about late payments. Plus, tenant-buyers treat the home like it’s their own, giving you peace of mind throughout the term.
Why Choose Us?
Our program is designed to remove the stress and uncertainty of selling or renting while giving you the financial and emotional benefits of a hassle-free process. It’s a smarter, simpler way to maximize the value of your property without the headaches.
Where do you offer this service?
We’re proud to serve families and homeowners in Western Ontario, with a special focus on the St. Catharines area. However, our reach doesn’t stop there! We can also assist clients in other cities and provinces. If you’re wondering how we can support you in your area, don’t hesitate to reach out—we’d love to help!
How does the program work for buyers?
At Goldilocks Homes, we believe that everyone deserves the opportunity to own a home. Our program is designed to make homeownership accessible, even if traditional lenders have turned you down. Here’s how our process works:
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Initial Consultation: We start with a friendly conversation to understand your unique situation, financial goals, and the type of home you’re seeking. This helps us create a personalized plan tailored just for you.
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Home Selection: Based on your preferences and budget, we’ll guide you through our selection of available homes. Together, we’ll find the one that feels “just right” for you and your family.
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Customized Payment Plan: We’ll work with you to develop a payment structure that fits your financial situation, making the transition from renting to owning smooth and manageable.
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Move-In and Support: Once the paperwork is completed, the keys are yours! You’ll start building equity in your new home immediately. Plus, our team remains available to support you throughout your homeownership journey.
We’re dedicated to making your homeownership dreams come true with a process that’s straightforward, supportive, and tailored to your needs.
Let’s take this exciting journey together!
Book a call with our team to learn more about how our programs work.
Got other questions?
Schedule a call to speak with our team
