Start Your Application
Start Your Application
Are you able to afford a home and make the monthly payments… but you’ve still been turned down for a mortgage loan?
We require an upfront down payment that is applied toward the purchase price when you close on the home. Most down payments range between 3–10% of the purchase price, depending on the property and your situation.
Beyond that, the most important qualification is your commitment to work with us throughout the lease term to transition from renter to homeowner.
A low credit score will NOT disqualify you from our program, so don’t hesitate to reach out.
Can I Still Do Your Rent-To-Own Program If I Don't Qualify?
No, unfortunately not. It wouldn’t make sense for us, or be fair to you, to place you in a home and have you make payments if we don’t believe you’ll be able to qualify to purchase by the end of the lease term.
Do I Have To Pay Any Fees Or Commission?
Since we aren’t real estate agents, we don’t charge commissions or additional fees.
Like any home purchase, you’ll be required to put 3–10% down, which is fully credited toward your purchase price at closing.
Beyond that, you’ll make regular monthly payments and cover the typical costs associated with the home.
Do My Rental Payments Count Towards My House Payment?
No, they do not. But consider this, you’re already making rent payments somewhere. With a rent-to-own home, those payments can move you closer to owning the home you want.
What If I Don't Qualify For My Mortgage Loan After My Lease Period Ends?
This rarely happens because we don’t accept applicants into the program unless we’re highly confident they’ll qualify for a mortgage by the end of the lease term.
In the unlikely event it does occur, we may be able to extend your lease if we believe you need a little more time to qualify.
How Long Is The Average Rental Period?
The length of the lease period is based on our evaluation of your situation and timeline. In most cases, we can position you to qualify for a home purchase within 12 to 24 months.
Who Is The Rent-To-Own Program For?
This program is designed for people who want to buy a home but don’t currently qualify for a mortgage.
Most importantly, it’s for those willing to put in the time and effort to improve their financial profile and work toward qualifying by the end of the lease term.
It can also be a great fit for buyers who already qualify but want extra time to save for a down payment, secure better loan terms, or build seasoning with lenders.
Who ISN'T The Rent-To-Own Program For?
This program is not for anyone looking for an overnight solution or unwilling to put in the time and effort to improve their situation.