Usually just a few days. There are no lengthy escrows, no mortgage approvals to wait on, and no bank timelines. Once your application and deposit are in, we move quickly.
Yes, we do run a credit check in most cases. But bankruptcies, collections, past bank loan denials or other credit issues are not a concern for getting you into one of our homes. We just want to understand your credit situation so we can guide you toward repairing it.
If your credit is extremely bad, you can still get approved — but we may not be able to be as flexible on your down payment, and in some cases may require a slightly larger one.
This is a trick question — but here’s the honest answer: take two small steps instead of one big risky one.
Buy a home you can afford right now. A few years later, sell it, take the equity you’ve built, and use it to purchase a bigger home. Or keep saving — but realistically, you won’t be able to save as fast as you’d build equity inside one of our homes, because our programs let you build equity and also benefit from any property appreciation.
The market is changing. In a few years you might not be able to buy even what you can buy today.
It depends on your monthly payment, gross income, and the price of the home. The range typically falls between $4,000 and $75,000 for most of our homes.
Rule of thumb: 5% for Lease Purchase and 10% for Owner Financing. We accept borrowed funds, and you have up to 45 days to make the down payment.
You may qualify for our Down Payment Assistance Program, which can get you into a home with as little as 3% down. You’d need to be able to make extra monthly payments to build the needed equity during the lease term.
No. At closing, your rent credits and option consideration are both applied to your down payment or used as a reduction in the purchase price. It’s 100% yours.
No one can guarantee that — because we have no control over your finances, employment, debts, or future bills. That part is up to you. But if you handle those carefully, getting a loan will be substantially easier after our program than it is today. Here’s why:
Equity. Lenders want to see 5–10% equity (or more) in the home you’re refinancing. Between your down payment, monthly rent credits, and any appreciation, you’ll naturally have that equity built up.
Payment history. Lenders want proof you can make the target monthly payment. Because you’ve been paying close to that amount already under our program, you’ve already proven it.
Documentation. Your package will have everything a lender looks for — equity built, timely payments, and payment amounts — all formatted the way they like. Most buyers end up refinancing successfully and sometimes even get cash back at that time.
Important: Make every single house payment on time. Set up auto-draft from your bank. That’s the fastest way to a perfect payment history and a great loan.
We think so — and we’re proud to say this program is unmatched in your area. It’s a complete package from A to Z, designed not just to get you into a home on easy terms, but on terms your future lender will accept.
A lot of people sell homes on lease-purchase or seller-financing arrangements. But in most cases, the deal isn’t structured in the buyer’s favor, so when it comes time to refinance, the buyer can’t get a loan and loses the deal. It’s not just about finding the house — it’s about the whole package being documented properly for the day you’ll go to a bank.
Come back and check again in a few days — new homes are added regularly. Better: join our buyer list and our Automatic Email Notifications will send you a message the moment a new home matching your area goes live.
With email updates you’ll be able to act immediately when a listing matching your dream home is posted, rather than finding out after the home is gone.
Just re-enter your information on the homepage form as if you were a new visitor. Our system will update your record with the new email so you keep receiving listings and notifications.
Just applying doesn’t reserve the home. We’ve had many cases where buyers applied multiple times, were approved, and then lost the home because they didn’t put down an Earnest Money Deposit. Someone else came forward with the check — and that was the end of it.
The only way to guarantee a specific home is reserved for you is to put down an Earnest Money Deposit on that home. If you want the house, tie it up.
When your credit has improved and you’re ready to get your own loan, contact a lender or mortgage broker to start your loan application. We can recommend lenders, but we encourage you to do your own due diligence and find the best possible terms.
Tip: Work with a mortgage broker from the very beginning of your program. They can guide you through the credit repair process so you’re ready to close when the term ends.
Whether you qualify or not, at the end of your term you have several options.
Option 1: Walk away from the property. We don’t recommend this — you’d lose the money you’ve invested — but it is an option.
Option 2: Extend for a second year until you have a sufficient credit history to complete the purchase. Extending actually helps you: you build even more equity during the second year. The price and terms may be slightly adjusted to match the market, but all the equity you’ve already accumulated is preserved.
We’ll let you answer this one. Here are two quotes to consider:
“Real estate is one of the only assets in the entire world that reliably appreciates — goes up in value — over time.”
“Most car models lose a third of their value in the first year, and the vast majority are worth less than half their original price after three years.”
Our homes are in high demand and do sell quickly. Keep your email current with us so you get our Email Notifications the moment a new home becomes available. That way, when a home in your area hits the list, you can act immediately instead of finding out after it’s taken.