Make your dream come true!
Buy your very own home... with rent to own!

Benefits and Requirements

The Focus Is On You!

We don't do "traditional" Rent-to-Own (RTO) where a company buys a house and THEN tries to convince you to rent then buy that house.

We put our tenants first!

So what does that mean for you?...

... It means that if you meet our requirements, we'll expect YOU to find a home you like with the help of our realtor.

... You get to choose the home that suits your lifestyle and your budget, within the few guidelines we give you.

... If you're looking to refinance your home and your lender won't help you, we may be able to help. You may be able to stay in the home you've already invested in.

... You don't get forced into a house you don't really like because "that's what we've got so it's this house or nothing".


 The (Minimum) Requirements


We want to save you time, so read this first!

We're starting with our minimum requirements because if you don't meet them, unfortunately we won't be able to help you at this time.

If you want to buy a home using our services:

  • To get started, you need a minimum of $10,000 or greater depending upon the price of the house. This amount is considered to be part of your downpayment when you buy the house at the end of the RTO term (we'll explain all the details when we talk to you).

  • The monthly payment (rent) you can afford has to be at least $1,800.00.

If you meet these minimum requirements, please read why our rent-to-own program could be good for you next.

If you are having trouble refinancing your home, contact us! We may be able to help. Fill the form and we'll get back to you as quickly as we can. You might be surprised about what we can do!
  


 


 Why Is This a Good Program for You?

  1. You only need a minimum amount of $10,000 to get into your home (or more depending on the purchase price of the house).
     
  2. The process to get into our program is designed to be as easy as possible for you. We are NOT a financial institution (although our successful participants do end up working with one when they buy their home at the end).
     
  3. Past credit problems, like bankruptcy, consumer proposal or foreclosure, are not usually a road-block as they often are with a bank or a mortgage company. (There are some exceptions.)
     
  4. The initial amount of money you put into the program goes 100% toward your downpayment for when you’re ready to buy the house. (Unless the option to buy is not exercised. See Your Obligations below.)
     
  5. A portion of your monthly rent goes toward your downpayment for when you’re ready to buy the house. That means some of your money is working for you while you're renting (you won't get that from a traditional landlord...)
     
  6. The total monthly rent is fixed for the duration of the agreement (unless otherwise agreed to at the onset). 
     
  7. Someone who specializes in credit repair will check in with you every six months or so to make sure your credit score is improving and that you’re on track to be able to get your financing when the time comes to buy your home.
     
  8. You’ll have plenty of time to get your financing in place before buying your home.
     
  9. You have the opportunity to get into the home that you choose. YOU get to choose the house you want to rent and then buy (there are just a few restrictions).
     
  10. You can walk away from the deal at the end of the agreement if you want to. (However, we do NOT recommend this option. See Your Obligations below.)
     
  11. You'll know exactly what the price of your home will be when it comes time to buy it—absolutely NO surprises!—and you could benefit from any unexpected property appreciation.
     
  12. It will be easier for you to get a first mortgage on your home because you will have a 3-year to 4-year history of on-time payments (payments that are very close to what your monthly obligations will be as a new owner).
 
Your Obligations and Responsibilities

  1. You must maintain adequate tenant insurance—including sufficient liability and disability coverage.
     
  2. You must pay your rent on time, every month. If the rent is paid late for any month, you forfeit your monthly credit for that rent paymentmoney that will not be available to help you buy your home. If the problem persists, the agreement we have with you could be terminated and you would forfeit the initial fee and all your built-up credits.
     
  3. You must take good care of the property—your future home.
     
  4. You are responsible for the cost of small repairs and maintenance (broken faucet, unhinged screen door, etc.) up to $750 per instance, to a maximum of $2,000 per year. We will cover the costs of any major maintenance and repairs (roof, furnace, foundation, etc.) However, the costs of major maintenance and repairs will be added to the purchase price for your home at the end of the contract.
     
  5. You do NOT have to exercise your option to buy the property at the end of the contract. However, if you do not exercise your option, you will lose all the funds that were set aside for your downpayment (unless you enter into a new rent-to-own agreement).
     

What's Next?... It's Up to You!


If you meet our minimum requirements, you like the benefits, you understand your obligations, and you want to get started, all you have to do is contact us!

Click here and fill the form.

We'll be in touch with you just as soon as we can.
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