How expensive of a home can I buy?

We customize our program to every person and every family. We encourage you to fill out our questionnaire or we can walk through it together. This way we are able to find the best solution that will work for you.

How much of a down payment do I need?

Our goal is for you to have enough saved up to qualify for a mortgage at the end of your program.

How do I know if I have enough income to afford the monthly payments?

Our team will work with you to assess your particular situation and to build a plan.

Can I sublease or rent part of my home during the lease?

No. As part of your lease, subletting isn’t allowed during the time in which we are working together.

What are my options if I don’t have the initial payment but can afford the monthly payments?

Contact us today. We will find your customized solution.

If I am new to the country or if I am self-employed can I still Rent-to-Own?

Our Rent-to-Own program is perfect for recent immigrants or self-employed individuals who can’t get bank financing.

Can I still qualify with bad credit?

Yes, you can. We have an amazing Rent-to-Own Program. As long as you are committed, our team of qualified experts will work with you to get your credit back on track.

How is my future purchase price determined?

Your end price is set at the time of our agreement in your option to purchase contract.

Does a portion of my monthly rent go towards the purchase price?

Yes, your monthly rent includes a pre-determined portion that is a credit, which becomes your down payment when you exercise your option to purchase. This works like a forced savings account and the money will go towards your down payment and legal/closing costs when it’s time to purchase the home.

Can I paint the walls?

Yes, minor upgrades are generally permitted to increase the value of the home. Remember you are not yet the owner so any repairs must be agreed to between yourself and us as the current owners.

What do we do when the rent or lease term ends?

During the 24 or 48 months, depending upon what term we agreed to, we will have worked with you to help you fix your credit rating. We also will have saved your payment money and your “future purchase” monthly payment amounts. This will go towards a new mortgage and legal/closing costs. Along with your repaired credit rating you should be ready to qualify for financing and purchase the home from us!

Who pays the mortgage, property taxes, insurance, and condo fees?

We do since this is included in your monthly rent payments.

Am I responsible for the utilities?

Yes, this includes heat, electricity, water and sewer, cable, phone, internet and personal contents insurance just as you would if renting or owning any home.

Am I allowed children and pets?

Absolutely, yes and yes. We very much want to help families along with anyone else who qualifies for our program.

What if I have a bankruptcy in my financial history?

If the bankruptcy is discharged, we will work with you to help you regain your credit through our Rent-to-Own Program and thereby help you qualify for a mortgage.

What if I just changed jobs?

That is ok as long as you are able to demonstrate a history of commitment to being employed and can keep up the monthly payments.

Who pays for the home repairs during the program?

Since this will be your home at the end of the agreement or term, once you move in you are responsible for all appliance repairs as well as home repairs under a pre-determined amount. Before we make any final decision on a house we will have a home inspector complete a full inspection with you present. You are responsible for the home inspection since, at the end of the program, it will be your house.

How long do I have before I must purchase the home?

24 to 48 months, depending upon what length of time or term is agreed upon.