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WHAT’S NEXT

Credit history is not the main factor - what matters most is your debt to income ratio. The buyer with the strongest down payment and financial profile will be approved.

Approval factors: The higher your down payment, the stronger your approval chances. We also look at your overall financial profile and debt to income ratio.

❓What’s the difference between the RENT-TO-OWN program and OWNER FINANCING?

✅ Option #1 – RENT TO OWN - Lower downpayment
This program lets you move into your dream home now — even if the bank isn’t ready to approve you yet. You pay a smaller initial amount and get an exclusive right to purchase the home within 2–3 years at a fixed price. You live in the home, make it yours, and can activate Rent Credits so part of each payment builds your future equity.

Program Highlights:

1. Lower upfront investment
2. All main expenses — taxes, insurance, and HOA — are already included in your monthly payment
3. Your payment is fixed for the full term and doesn’t change even if taxes or insurance rise

❓Why Rent-to-Own Works in Today’s Market?
Some buyers today hesitate to use Lease Option because they worry about “not owning the home right away.” In reality, Rent-to-Own protects you in both market scenarios — when prices go up and when they go down.

If the market goes up: You lock in the price of the home for 2–3 years. Even if real estate appreciates next year, your purchase price stays fixed. This allows you to secure today’s value and build instant equity once you refinance.

If the market goes down: You are not risking a traditional 20% down payment, closing costs, or loan origination fees. You can simply finish your lease term and move out — no penalty. This makes Rent-to-Own safer than buying immediately with a large down payment.

Market outlook: With the FED expected to lower interest rates, appreciation in 2025–2026 becomes more likely — which strengthens the advantage of locking in today’s price through Rent-to-Own.

✅ Option #2 – OWNER FINANCING - Ownership from day 1

With this option, the home becomes yours from day one, and we remain the lender.
You have full ownership — you can live, improve, and build equity immediately.

Program Highlights:

• Your monthly payment includes principal, interest, property taxes, and insurance.
• HOA fees are paid separately by you as the homeowner.
• The payment can adjust proportionally if property taxes or insurance premiums increase — just like a traditional mortgage.

❓Can I start with RENT TO OWN and switch to OWNER FINANCING?
Yes, you can switch any time during your option period, but no later than 12 months before the agreement expires. If less than a year remains, the best path is to refinance through a bank or lender.

❓Will I need a second down payment when refinancing?
No. When refinancing, you’re not buying the home again — you’re simply replacing your existing agreement (Rent-to-Own or Owner Financing) with a bank loan.

Your original option fee or down payment already counts as your equity, so it’s applied toward your new loan. If your home’s value has increased, that appreciation becomes your additional equity.

❓What additional expenses will there be besides the monthly payment?

1. RENT TO OWN: Taxes, insurance, and HOA are included. You only pay utilities (water, power, internet, trash).
2. OWNER FINANCING: Taxes and insurance are included in the payment, but HOA fees are paid separately. The monthly payment may adjust proportionally if property taxes or insurance premiums increase.

❓Can I get financing for more than 2 years?
Yes — some homes qualify for extended terms up to 3 years. A small 3 % adjustment is added to the purchase price to reflect average inflation. For example: a $300,000 buyout at 24 months becomes $309,000 for a 36-month term.

❓Can I buy this home with a bank loan now?
Yes. You can refinance immediately or purchase the home directly through your bank.
In that case, you’ll submit an offer including proof of funds for your down payment, a pre-approval letter from your lender

⚠️ Disclaimer: The information provided above is for educational purposes only and does not constitute legal, tax, or financial advice. Program terms, availability, and qualification requirements may vary by property and individual circumstances.

Down Payment Assistance:

Step 3. Choose your purchase term (locks in purchase price)

Both the Down Payment and any Rent Credits go toward the purchase price and secure your exclusive right to buy the home at a fixed price during your lease term. Any market appreciation is yours to keep:

Step 2. Decide: lower payment or build equity

The higher your down payment, the lower your monthly payment.

Step 1. Choose your down payment

We specialize in flexible NO BANK QUALIFYING programs that make homeownership possible for buyers who don’t fit traditional lending requirements.

Whether you’re self-employed, have past credit challenges, or even a bankruptcy or foreclosure in your history — we can still provide a clear path to owning your own home.

This is your chance to stop wasting money on rent and start building equity. With our programs, you can quickly and easily transition from tenant to homeowner while also benefiting from future market appreciation. Feel like a homeowner, not a renter.