What do we do now?

So you are interested in our Rent to Own program, but you are unsure of where to go from here. If one of our available homes interests you Apply Now. You can either provide us with some preliminary information to get the ball rolling or jump a step and fill out our full application. We will review, and if it looks like Rent to Own is a “fit”, we will respond within two business days.

However, if none of our available homes suit your needs, but you are still interested and would like to know if we can offer you a solution in our “YOU FIND IT” Option that fits your particular set of circumstances, here’s what we propose:

• Use our RTO Calculator to determine the value of home that you would qualify for in our program. Please note that this is only a rough indicator, as there are too many factors to build into a “one fits all” formula.
• Provide us with some preliminary information, such as what type of house you’re looking for, how much you have for a down payment and what monthly lease payment you are able to make.
• We will review this information and provide you with various options for your home purchase.. We will provide you with a budget, including the property value we will consider, the Monthly Credits we will be able to offer, and the eventual buyout price. We will also provide you with details of our program, both financial and legal.
• If our proposal is of interest to you, we will have you complete our full application form.
• Upon approval, you go shopping with our professional Realtor who will assist you in finding YOUR perfect home! We would ask that you be prepared to consider two or three house for us to approve. We will want to have a home inspection done by a qualified home inspection company to protect both you and us.
• Once you have located and decided on the home of your dreams, we will finalize your monthly lease payment, the length of the lease term, your purchase price, and other agreement terms.
• We will then make an offer and negotiate a purchase agreement for the home. However, we will require a signed contract and your Option to Purchase Deposit before we proceed.
• With your contract and Option Deposit in hand, we will complete the purchase of the home, and you will be given your Move In day and a new beginning toward home ownership.

From this point on you will be living in your home. As a partner sharing in the profits of appreciating property values, you will be expected to maintain the home as if it were your own because it will be your own. Items of minor or regular maintenance will be your responsibility. This includes keeping the yard neat and tidy, and keeping the appliances in good working order. Upgrades such as painting, landscaping and repairs are all welcome if it helps improve the home, and will be to your overall benefit

During the term of your lease, we will have a professional mortgage broker set down with you to help you work towards qualifying for financing at the end of the term. This, along with your Option Deposit, your Monthly Credits and any additional appreciation, will provide you the tools to OWNING YOUR OWN HOME.