General Information

We all want to own our own home, and have the financial means to provide for ourselves and our family's future.

Unfortunately, due to the recent tightening of mortgage financing guidelines, more and more people are feeling like the American Dream is becoming more and more unattainable. The down payment requirements are sky high, and the credit requirement calls for impeccable credit if we want a decent interest rate and affordable payment. If you don't have the necessary down payment or credit score, your options are limited.

We understand that your credit score can suffer due to a number of circumstances such as sickness, injury, loss of job, divorce, or quite simply put, having made mistakes in the past. Life is not black and white; we realize that and don't treat you as just another statistic. We've developed a creative and multi-dimensional program that is customized for whatever your needs.

The good news is that you can always get yourself and your credit back on track...and we're here to help you do just that.

If you've been denied for a conventional mortgage, then a lease-purchase home through www.RentToOwnUSA.net may be a viable option for you. Don't let your credit prevent you from living the life you've dreamed of...buy a home with a lease-option, and start out on the road to home ownership today.

Why Are Lease-Options Advantageous?

The main advantage of doing a Lease-to-Own, or Lease-Option, is that at the end of your lease, should you decide to purchase, the equity that you've accumulated while renting can be applied as your down payment or will buy down your purchase price when it comes time to buy. Financing, in general, is much easier to obtain after doing a lease-purchase, and you'll typically get a lower interest rate, and payment than if you got a conventional home loan, buying outright today.

We are here to help people who don't have the means to get conventional financing to buy a house or condo/town home. Just because a few things have gotten you down, don't let them keep you down...take advantage of our program and start building equity today.

2) You get a locked in purchase price, rent price, and low down payment -all are GUARANTEED not increase. The Lease contract is a Purchase and Sale Agreement as well; both parties sign now, and you have until the lease termination date to close the sale. The seller cannot back out or cancel.

3) Because your purchase price is set today, any and all equity that is accumulated over the course of your lease is yours to keep. For instance, if your locked in purchase price is $300,000, and that area sees 12% appreciation over the course of two years, that adds $36,000 dollars to the value of the home, and you're still buying for $300,000!...
...this tells the bank that you are likely to succeed in paying your monthly mortgage payment because you have a vested interest in the property (you won't want to walk away from that $36,000 by defaulting on your loan). The bank is less likely to be concerned about you being a risk: if you default on your loan, they get all your equity. If you don't default, they're just happy to maintain a loan in good standing! The point is it's a win/win for the bank either way, so you're very likely to get your loan. 

4) With our program, if at the end of your lease, you find out that you are unable to purchase the home, you can typically sell it (Assigning your Option), and earn back your down payment, rent credits and any equity you earned over the duration of your lease. *This depends on each individual owner, but is typically an option.

To explain this concept further, you can actually list the property for sale towards the end of your lease, for whatever market value is at that point, and when it sells the seller still gets their $300,000 (from the pricing example in #3, above) and you get paid the difference at closing through Escrow. If you sell it for $380,000, you made $80,000! What if it doesn't sell? Lower the price to move it quickly...if you've got equity, then you've got leeway.

Real Estate values have decreased significantly due to the amount of Foreclosures that are happening, and values are bound to go back up - it's just going to take some time. You could have $20,000, $40,000 or maybe even $60,000 in equity before you even purchase!

With a lease-option, you are not only buying a home, you are investing in your future. Browse our inventory of available lease-purchase properties by clicking the 'Home Search' button along the top menu of buttons.