Rent-To-Own

Your 6 Easy Steps to Rent to Own

Get in Touch

Start by reaching out to our team. We’ll listen, understand your goals, and help you explore

if rent-to-own is the right path for you.

Get Pre-Qualified

We’ll review your situation — income, credit, and savings — to see what kind of home fits

your budget and timeline. No pressure, no judgment.

Choose Your Home

Once qualified, you can start house hunting! We’ll guide you in finding a home that matches

your needs, lifestyle, and budget.

Move In and Rent

Move into your chosen home and begin renting it while part of your rent goes toward your

future down payment.

Build Credit and Save

During your rental period, we’ll support you in improving your credit and finances, preparing

you to qualify for a mortgage when the time comes.

Become a Homeowner

When your term ends, you buy your home — with the savings and stability you’ve built

along the way. You’re now officially a homeowner!

Rent-To-Own Process

Basics

  • together we find your budget based on your qualifications
  • we work with you to find your home (within your budget)
  • You lease the home from us for the time of the lease agreement (this gives you time to build your credit and final deposit)
  • At the end of the lease, you can complete the purchase of your home!!

How to start the program

We need:

  • proof of income
  • Good or repairable credit
  • Good tenant history
  • Savings for the IOC (initial option consideration. Usually less than 5%, this is the normal minimum for a mortgage)

Initial Option Consideration

It's a fee that you as the tenant buyer pay that provides you with the option to purchase the home at a later date. A portion of this fee is usually charged upfront, similar to a down payment. The other portion is paid monthly in addition to the rent.

How long is the program

It depends, mostly between 2 and 4 years

  • Make monthly payments on time
  • Pay all your utility bills
  • Maintain your house
  • Pay tenant insurance

Affordability house

How much you can afford to pay for your house depends on many things! We will work together with you and a mortgage specialist to determine the best fit for your needs

Benefits of this program

  • experience being a homeowner before purchasing the house
  • locked-in rent and monthly payments, makes it easier for you to budget
  • we help you to save to complete your down payment and repair your credit

Rent Now, Own Later

Apply today and see how Rent the Key to Own can help you achieve home ownership!