How It Works


Our “Lease to Own” homeownership programs are first and foremost affordable relative to the market rents in the local area. Lessees / Buyers enjoy the control and freedom that they would not have in a traditional lease. This also means that Lessees / Buyers are responsible for utilities, maintenance and repairs. Lessees / Buyers pay a one time down payment and a fixed monthly payment which includes property taxes and insurance. A portion of every monthly payment goes toward the option purchase price, so that Lessees / Buyers can build their equity in the home starting Day 1.

Lease to Own Program Benefits

  • Easy to qualify
  • Low down payment
  • Low monthly payment
  • Fast approval process
  • Below average credit accepted
  • Portion of each payment goes toward principal reduction
  • No closing costs
  • Guaranteed financing for 30 years
  • No prepayment penalty and no balloon payment
  • Freedom to improve and remodel the home
  • Opportunity to build sweat equity
  • Opportunity for appreciation
  • Pets accepted

Streamlined Application Process

  • Step 1 – Select a home from our Properties page (view listings click here).
  • Step 2 – Contact us for information and to setup a showing.
  • Step 3 – View the property
  • Step 4 - Initiate due diligence
  • Step 5 – Complete and submit application. (for application click here)
  • Step 6 – Allow 2 business days to process the application.
  • Step 7 – Applicant(s) receives “pre-approval” and request to complete background check.
  • Step 8 – Within 24 hours of completing “background check” applicant receives final approval and "Lease to Own" Agreement for review
  • Step 9 – Applicant(s) electronically signs “Lease to Own” agreement, pays down payment, and authorizes electronic monthly payments.
  • Step 10 – Applicant(s) takes possession of the property and begins their path to Home Ownership