"Rent to Own" Your Phoenix Home!

It is our goal to help you eventually qualify for a mortgage, refinance the home, and put you on the deed. We do NOT want to put you into a situation you can't handle.

So after we gather your criteria and exactly what you are looking for in a home, we need to get you qualified. Now, don't misunderstand... we don't expect you to be able to qualify for a mortgage right now... after all, that is why you are looking into a rent to own home. However, you will need to at some point in time usually within 1-3 years.

Therefore, we need to find out how soon you will be able to qualify. For some it may only be a couple of months, for others it may be a year, two years, or longer. It doesn't matter to us how long it takes, but we don't want to put you into a program that doesn't give you enough time to get on track financially so you can get a loan when the time for that comes.

So that's the first thing we are going to do. It's a quick telephone conversation that takes maybe 20 minutes... we don't even have to meet. And everything is 100% confidential.

And by the way... you're not going to shock us, no matter how bad your current situation. We have heard and seen it all! We will just ask you a few questions about your income and your job (or lack thereof), we'll pull your credit report to see if there are any surprises, and then, we'll be able to tell exactly how long you are going to need and what you need to do before you can get a home mortgage.

By the way, about 10% of you will discover that you qualify for a home loan right now. You may have thought that you had bad credit, but in actuality your credit wasn't bad at all. If this happens, you can buy any home on the market that is within your price range and we will help you do this.

But remember... that's only going to be for about 10% of you who are reading this. This program is for the other 90% of you!

After we talk and determine your qualification timeframe, you will now become an official "Rent to Own" buyer and remember... all this is FREE with no obligation.

Next step- Find your new home!

Our Rent to Own specialist, having already taken your desired home criteria, will ensure that your criteria and financial desires match up. Remember, we do NOT want to put you into a situation where you can not get the mortgage when due.

Once that is confirmed, our specialist will find your next home using your criteria (area, bedrooms, baths, parking, etc.). Our expertise is at finding and negotiating these homes making them available to you.

Once your new home is found: You buy the property "Rent To Own".

You will be allowed to make any necessary inspections to insure the homes quality. Then our specialist will assist you in renting the property at an agreeable monthly payment, settleing on the purchase price and assist you in securing the special financing necessary to close on the home at the appropriate time.

You lease the property for a specific period of time, usually 1-2 years depending on your situation, and during that time you have the option to buy it at a price agreed upon when you first move in.

For that option you will pay a "Lease Option Fee" when you move in. This money will apply to the purchase of the home. The "Lease Option Fee" is a minimum of $3,000 and up to $5,000+ depending upon the home. The first monthly lease payment is also paid when you move in. So, for example, if the monthly lease amount is $1,400 and the "Lease Option Fee" is $3,000, you will need $4,400 to close the deal and move into the house.

Then it's time to fill out the paper work. Our specialist will review with you all of the necessary paperwork. It explains the move-in date, the price, the terms, the monthly payment, the length of the option and it lays out who is responsible for what in the agreement, and what happens if anyone defaults on the agreement.

Once the agreement is signed, it is finalized when you deliver the funds for the "Lease Option Fee" and the first month's payment. Only certified funds are accepted to activate the purchase agreement. For example: a cashiers check or a certified check. Sorry, no cash, check, or credit is accepted.

You now move into the property and treat it as yours! After all, you are buying it... you just don't have the deed yet. Make your monthly payments, continue to improve your credit, and refinance the home when you are ready.

That’s it!