Your Home Is Our Happiness

We focus on the rent-to-own market in order to assist customers with less than stellar credit. Start by renting and end by owning. Goals will be achieved!


How Rent-to-Own Homes Work

Rent-to-own homes offer an alternative to traditional home buying. You can rent a house for up to several years, gradually working towards ownership by putting part of your rental payments toward the purchase price each month. The landlord puts some or all of your rental payments towards the price while allowing extra time to make sure homeownership is right for you. So, start exploring today - with rent-to-own housing there's no pressure, just lots of potential.


Negotiating A Purchase Price

With a rent-to-own agreement, it's important to negotiate the purchase price. Depending on the situation, this amount could be predetermined and set in stone at signing or negotiated once the lease ends. Be aware that some agreements may require you to pay an estimated value of a home even if its actual worth changes over time. Exercise your right as a buyer by negotiating what works best for both parties before proceeding with any contract.


Rent Payments Help You Buy Your Dream Home

Rent-to-own can be a great option for those looking to buy a home, but it’s important to consider all the factors. While monthly payments may not be lower than regular rent prices, part of what you pay each month is set aside as credit towards your eventual purchase—a bit like saving up. Negotiating with sellers ahead of time helps ensure that any added costs will still work in favor of your long-term plans.


Protect Yourself From Unexpected Repairs

Renting a house can come with extra costs you weren't expecting - from HOA fees to repairs and maintenance. To avoid getting stuck with an unpleasant financial surprise, it's essential that renters carefully review their contracts in detail alongside a real estate attorney who can help them understand what they are liable for.


Agree On Both The Length And Type Of Rent-To-Own-Agreement

Rent-to-own is a wonderful option for many who want to own their dream home. You and the seller will come together in agreement on the lease term, whether it be 1–3 years or whatever works best for your situation. Additionally, you'll mutually decide if a lease-option or lease-purchase contract would fit better with your lifestyle - both options offering unique advantages that could work out well.

Pay A Small Fee For A Big Return

When you agree to a rent-to-own contract, the seller will require that you pay an upfront option fee—sometimes referred to as "option money" or "consideration"—as part of your commitment. This amount is usually equivalent to 5% (or less) of the house's purchase price and serves not only as assurance that you'll make good on your end of the agreement but also may be applied towards your down payment in some cases. Be sure to come prepared with some saved cash so nothing gets between you and finally owning a place all yours.


How To Transition From Renting To Buying

Taking the leap from renting to owning a home is an exciting step, but there are lots of details involved in making it happen. When your lease ends, you'll need to get approved for a mortgage - this sets up all sorts of possibilities. Your rent and/or option payments may be credited towards your down payment. However, having everything fall into place depends on getting that loan approval. Don't miss out - if you don't qualify for financing then unfortunately that could mean forfeiting the chance too own that property forever...


Get A Home Inspection And Ensure You Carefully Read Your Contract

Take the time to read through your contract and get an expert's opinion before you sign. It may be worth it in the long run, not just for understanding all the terms, but also confirming that what you're paying for is really worth it. Have a professional inspect both inside and out to make sure there are no hidden surprises—they can spot potential issues more accurately than any appraisal ever could. All these extra steps might seem intimidating at first, but they'll set a clear foundation on which you can build when investing into your new home.


Choose The Right Lease-to-Own Program For You

Purchasing a rent-to-own home is an attractive option for many, but before you get into it, there are two main types of contracts to consider. Both cover the rental phase up front and include varying terms when it comes time to buy out the property. To help guide your decision-making process between lease-option agreements versus lease-purchase agreements - let's take closer look at the differences.

Lease-option agreements: Have you ever dreamed of owning your own home, but are uncertain if it's the right choice for you? With a lease-option contract, you have the perfect opportunity to test out homeownership without any long-term commitment. After leasing for an agreed upon period with this option in place, there is always the chance that your dreams will become reality - or not. It's up to you whether buy or keep dreaming.

Lease-purchase agreements: When you sign a lease agreement for a house, it may seem like the end of your decision-making process. But be aware that many contracts include legal obligations—meaning if you change your mind after signing on the dotted line, escaping from this agreement could cost thousands in lawyer fees.


In A Nutshell…

Ready to take the plunge into homeownership? With a rent-to-own arrangement, you don't need perfect credit or a large down payment upfront. You'll get greater financial flexibility for less stringent requirements and will have the chance to make use of current housing prices. Plus, in most cases your excess rent payments can go towards eventually buying that house – giving you more bang for your buck with every payment made.

So What are You Waiting for?