How Rent to Own Works
Rent-to-own is designed to help you move into a home today while working toward owning it in the future — even if you're not quite mortgage-ready yet.
Step 6: Buy Your Home
At the end of the term, you secure a mortgage and officially purchase the home at a pre-set price, using the portion of your accumulated monthly payments as part of the down payment.
🎉 You’re now a homeowner!
Step 5: Build Toward Ownership
During the program, you will:
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Build your credit
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Save toward your down payment
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Improve your financial position
We guide you through this process so you stay on track.
Step 4: Move In
You move into the home as a tenant-buyer.
A portion of your monthly payment goes toward your future down payment.
Enjoy living in your home as a "homeowner in training" while you improve your credit and work towards qualifying for a mortgage.
Step 3: Find Your Home
Once approved, our team will help you find a home that fits both your lifestyle and your future budget.
We buy the home for you and create the rent to own agreement.
You’ll choose a home you love — not just something temporary.
Step 2: Get Approved
If it looks like a good fit, we’ll connect with you to review your numbers and create a customized plan.
This includes:
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Your target purchase price
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Monthly payment
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How long you’ll need to qualify for a mortgage
Step 1: Apply
Start by filling out a quick application so we can understand your situation, goals, and timeline.
We’re not just looking at your current finances — we’re looking at your potential.
This program is designed for people who are ready to become homeowners — but need a clear path to get there.
Who is this program for?
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You have stable income, but not enough saved for a down payment yet
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You can afford monthly payments, but saving a large lump sum has been challenging.
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Your credit isn’t perfect (yet) - maybe you’ve had past challenges, are rebuilding, or just need time to improve your score.
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You’re self-employed or have non-traditional income and qualifying through a traditional mortgage right now is difficult.
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You’re tired of renting with no long-term benefit and want your monthly payments to actually move you closer to ownership.
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You’ve been told “not yet” by the bank
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You’re willing to follow a plan over 2–3 years to achieve something bigger.
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Consistent employment with reliable income​
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A credit score of 500+
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Strong track record as a responsible tenant
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An initial deposit as little as 4% of the home price
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A strong desire to be a homeowner
What are the basic qualifications?
Frequently Asked Questions
Rent-to-own is a program that allows you to move into a home now while working toward buying it in the future. You rent the home while building your down payment and improving your financial position to qualify for a mortgage and buy the home at the end of the lease option term.
With traditional renting, your payments don’t go toward ownership. With rent-to-own, you have a monthly rent payment, which goes towards the mortgage and other payments for the home, and a monthly option payment, which is 100% credited toward your future down payment.
Typically 2-3 years and in some cases 4 years. We customize our program to your situation and how long it you need to become mortgage-ready.
That’s okay — many rent-to-own clients are working on repairing or building their credit. We help you create a plan to get there.
Typically, an initial option deposit of 4% of the home's price is required. This deposit is not a fee; it goes entirely towards your future down payment at the end of the term when you purchase the home.
The initial option deposit and monthly option payments are credited towards your future down payment when you exercise your option to purchase at the end of the term. This is separate from the rent and is strategically structured to help you build the required down payment over time.
Fill out our no-obligation application, book a free consultation and let's find out!