There’s Renting.  There’s Buying.  Now there’s Lease-To-Own Financing.

We offer a residential lease to own home financing program designed to provide more flexible home financing and extend the availability of credit to those who have experienced obstacles to getting a mortgage.

This program provides financing when a mortgage does not to those who have experienced the following barriers to loan approval:

  • Down payment issues
  • First time home buyers
  • Relocation with 2nd home
  • New careers
  • Self employed
  • Short sales
  • Foreclosures
  • Recently divorced
  • Tax liens
  • Recent bankruptcy
  • Medical bills
  • Seasoning issues
  • Multiple jobs
  • High student loan debt

You’ve heard of lease purchase programs?  Lease to own home financing is better. Much better.

  • You can select any new construction home available for sale in your area.
  • You can select any resale home available for sale in your area that’s not older than 10 years.
  • Applying for this program is easier than applying for a mortgage. If you’ve recently made application for a mortgage and were nearly qualified, you will likely get an approval.
  • Financing is offered on quality new homes built or substantially remodeled within the last ten years.  New homes offer the best value in terms of low maintenance and energy efficiency.
  • No down payment is required.
  • Fixed monthly payments.  No surprises.
  • Purchase price is locked during your lease.
  • Low up front costs.
  • Cash, savings, retirement or gifted funds of at least 2 months of your desired lease payment (minimum of $2,500) is required to move in.
  • Gross household income of  a minimum of $3,600 per month.
  • You must have documentation to support your income and positive housing history.
  • Your credit score must be at 580 or above.
  • You have no active bankruptcy or foreclosure actions.
lease to own home financing
lease to own home financing
lease to own home financing

Qualify by meeting the following requirements:

  • Gross household income of at least $3,600 per month
  • Have documentation to support income and positive housing history
  • Credit score at 580 or above
  • No active bankruptcy or foreclosure action
  • Cash, savings, retirement or gifted funds of at least 2 months of your desired lease payment (minimum of $2,500)

PRE-APPLY NOW
You will be contacted by an agent to complete a full application.

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