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Rent-to-Own Program

With $1,000 to $2,000 down as an Option-to-Buy fee you can qualify for our "Rent-to-Own" Program giving you time to improve your credit and build up your necessary down payment.

A rent-to-own house purchase (also "lease-to-own purchase" or "lease purchase") is a lease combined with an option to purchase the property within a specified period, usually 3 years or less, at an agreed-upon price. The borrower pays an option fee of $1,000 to $2,000, which is credited to the purchase price. The borrower pays rent, and an additional rent premium that is also credited to the purchase price. The rent premium can be whatever the borrower would like to pay extra each month toward the purchase price. If the purchase option is not exercised, the buyer loses both the option fee and the rent premium.

Once your credit has improved or you have accumulated enough down payment you can qualify for a traditional low rate bank loan or you may choose to convert to our easy qualifying "Owner Financing" Program.

This program is perfect for those with credit issues or those who haven't saved enough down payment or just want to "test" the neighborhood, schools or the house.