Rent-to-own (also called owner financing or contract for deed) means you make payments directly to us instead of a bank while working toward ownership. You get to move in now and buy the home over time.

We typically require around $10,000 down, though the exact amount can vary by property. A larger down payment can sometimes help lower your monthly payment.

The down payment shows commitment and secures the home for you. It also reduces the balance owed and helps keep monthly payments more affordable.

No traditional bank loan is required upfront. We focus more on your income, stability, and ability to make payments, not just your credit score.

Yes. Once the agreement is signed and the down payment is made, you can move in and start making monthly payments just like you would with a mortgage.

Most agreements run 2–5 years, giving you time to improve credit, save money, or refinance into a traditional mortgage if you choose.

They’re similar to a mortgage-style payment. Part goes toward the purchase of the home rather than just paying a landlord.

Because you’re working toward ownership, you’re typically responsible for routine maintenance and minor repairs, similar to owning a home. Major issues are outlined in the agreement.

Yes. Many buyers refinance with a bank or pay off early once they qualify. There’s no penalty for purchasing sooner in most cases.

Schedule a showing, submit an application, and we’ll review your income and down payment readiness. Once approved, we’ll walk you through the terms and next steps.