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Rent-to-own homes, explained in plain English.
Want a home now but need time to qualify for a mortgage? Our free Rent-to-Own Buyer's Guide shows how it works, what to get in writing and how to get mortgage-ready.
What's inside
11 pages, no fine print surprises
Key terms
Option deposit, rent credits, option term, and the difference between a lease-option and a lease-purchase.
Rent, buy or rent-to-own?
A side-by-side look at what each path costs you and gives you.
What to get in writing
The price, the deposit, your credits, timing, repairs and what happens if something goes wrong.
Get mortgage-ready
A month-by-month plan to be ready to finance when your option ends.
Before you sign
Inspection, title search, appraisal risk and the scams to watch for.
Could you buy now?
FHA, VA, USDA and down payment help that may get you into a home sooner.
Quick answers
Rent-to-own questions we hear most
What is a rent-to-own home?
You rent a home now with the right, or in some contracts the duty, to buy it later on terms set in a written agreement. Part of each on-time payment may be credited toward your purchase.
Is rent-to-own the same as lease-to-own?
Yes, they are two names for the same idea. The contract itself is usually a lease-option, which gives you the right to buy, or a lease-purchase, which requires you to buy.
Do I need perfect credit?
No. Rent-to-own is often used by buyers who need time to build credit or savings. You will still need to qualify for a mortgage when you buy.
Is the guide really free?
Yes. Tell us where to send it and you can read it right away.
Free download
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