Seller Financing or Lease Options are also available with no credit needed and easy qualifications. Contact us for more information on our programs.

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Call/Text David with any Questions – 602-704-5246

Frequently Asked Questions About Rent To Own:

How Does The Program Work? We will typically sell you the home on a Rent to Own program. Our buyers love it because this allows them to live in the home while having the time to clean up their credit, and also will allow you to move in much faster than a typical house purchase with a mortgage. Here’s how it works.

1. You will pay a down payment upon move-in that will go towards the purchase price of the home.
2. You will make monthly rent payments every month. (Every ON-Time rent payment will be reported to a credit agency to help build your credit.)
3. While living in the house, you will have 2 years to work on your credit. Once your credit is cleaned up, you can get a bank mortgage and the deed will then transfer to you. We can connect you with an amazing mortage broker to help make this happen. We can do longer terms and/or options to renew if needed.

How Much Down Payment Do I Need?  Since we have a lot of people applying for our homes, the larger the down payment you have the more likely you are to be chosen for this home. (This down payment will apply to the purchase price).

How Fast Can I Move In? You can be in the home in as little as 7 days.

Can I Buy The Home With No Down Payment? No. Even if you have really good credit, bank mortgages still require you to put 3% to 5% down. The more you have to pay or trade, the higher your chance of being accepted, and the better your terms.

Do I need to have good credit? No. What the owners are looking for is a family that: has a good stable job history, can afford the monthly payments, and can afford to put money down towards the purchase of the house.  Once you are in the house, you will then have time to work on your credit.

What else do I need to pay for? There is a $25 application fee that apartments.com charges you for.  Then once selected as the tenant/buyer, you will need to turn on the utilities and electric in your name. Pay the deposit. And once in the home, you are responsible for any maintenance & repairs just as if you are buying the house.

How Long Do is The Rent To own Program For? You will have 2 years to work on your credit. Once your credit is cleaned up, you can get a bank mortgage and the deed will then transfer to you. We can connect you with an amazing mortage broker to help make this happen. We can do longer terms and/or options to renew if needed.

Benefits of Rent To Own

• Low option consideration (less down payment).
• Many past credit problems can be corrected or deleted from your report while living in the home.
• Less up front qualifying restrictions.
• Purchase price is agreed upon and locked in ahead of time.
• You are able to live in the house, check out the area and house thoroughly before purchasing the house.
• Appreciation of property value works in your favor since the purchase price has been agreed upon prior to taking possession of the property. Any build of equity between move in date and purchase date is yours when you exercise your purchase option!
• Option fee is fully credited to toward the purchase of the home.
• Part of the rent payment every month may credited toward the purchase price, which can also be used to offset closing costs.
• You may be able to negotiate work for equity with the seller.
• Live in the home while your income becomes documentable (self-employed).
• We work directly with loan officers to assist you in obtaining permanent financing, or you can use your own banker or broker.

Process To Get Into One Of Our Homes

Step 1: Fill out the Pre-Application below. This helps us determine if you would be a good fit.

Step 2: Schedule with us to go see the house.

Step 3: Fill out a Full Application. This is done on Apartments.com, and they do charge a small fee.  

Step 4: We sign the Agreements. We use a service called Docusign so you can sign on your computer or phone without having to download, or scan. 

Step 5: Pay the Lease Option fee and first months rent. We set you up with your own portal in apartments.com and all payments will be made and tracked in there.

Step 6: Get utilities and electric accounts in your name

Step 7: Move In. 

Pre-Application

***PLEASE READ –> No credit is needed, but the people we choose for our houses must have the following:

1:  The highest down payment offered. (This does apply toward the total purchase price)

2:  The highest monthly offered.

3:  Reliable and steady monthly income, and you must earn 3 times the amount of the monthly rent payments.

Please answer honestly. Things like Foreclosures, Bankruptcies or criminal records do not disqualify you.

ATTENTION: PLEASE READ OUR TERMS

• Properties are being sold as-is. No representations written or oral are made concerning the properties above.
• Buyers to do their own independent due diligence and take any necessary precautions to verify any and all material facts.
• We make no guarantees concerning property condition, value, characteristics or financial benefits.
• Our opinion is just an opinion and seller makes no guarantees or warranties, express or implied, as to the value or condition of the home.

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