Rent-To-Own Program

Our Rent-to-Own Program

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We built this program around two obstacles that stop most first-time buyers cold: strict credit requirements and the need for a large down payment. Our goal is simple — help you become a homeowner on a realistic timeline, without the traditional barriers.

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How It Works

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Our Rent-to-Own program applies to homes we already own. When you move in, we credit 10-25% of your monthly rent payment per month (varies by property and the size of the initial down payment) toward your future down payment and closing costs — for up to 36 months. That credit accumulates while you live in the home, and is applied at closing with lender approval. Any excess can go toward home improvements.

During your first one to three years, we encourage you to work on improving your credit. By the time you're ready to buy, you'll have a track record of on-time payments — something lenders look at favorably. We have established relationships with mortgage bankers and will help you secure the most favorable terms available, though you're always free to use any lender you choose.

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A Real Example

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Say you rent one of our homes for 3 years at $2,500/month. At a credit of $500/month, you accumulate $18,000 over 36 months. That amount is applied directly to your down payment and/or closing costs at closing — reducing your loan by as much as $18,000 compared to the home's appraised value. That's immediate equity, with no additional money out of pocket unless your lender requires it.

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Ready to Learn More?

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Call us at 704-246-7652 or apply online. There's no obligation — just options.