Rent-to-own is a creative path to homeownership that allows you to rent a home with the option to buy it in the future, typically within 1 to 3 years. A portion of your monthly rent may go toward the purchase price, helping you build equity over time. To get started, buyers are required to make a non-refundable down payment—usually 20% or more of the home’s purchase price—which secures the option to buy and demonstrates commitment to the process. This upfront payment is credited toward the final purchase, but it is non-refundable if you choose not to buy the home later.

If you’re serious about buying but don’t have the full down payment saved, we may be able to help. We offer down payment assistance for qualified buyers with a credit score of 640 or higher who can get approved for a mortgage loan.

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