Hello, future homeowner.
Move into a home now. Build your credit and income history while you live in it. In three years or less, you're ready to buy the place you already call home.
Free to apply, no commitment, and it won't touch your credit score.
Three steps to your front door
The rent-to-own process is simpler than most people expect, and we walk with you the whole way.
See if you qualify
Fill out a short form to create a free account. We check that the basics line up, no credit hit, no commitment.
Get your options
If you qualify, we look at your situation and the kind of home you want, then show you the rent-to-own homes that fit.
Move in and make it yours
Pick your home, sign the lease, and move in. You build credit and income history while you live in the place you'll own.
Own the feeling of home before the bank says yes
Rent-to-own gives you the upside of owning while you get ready to qualify for a mortgage.
Try before you buy
Live in the home and the neighborhood before you commit. If it isn't right, you don't have to complete the purchase.
Build toward qualifying
Start feeling like an owner right away while you rebuild your credit and work with our lender network.
No rent increases
You get a three-year lease with a payment that stays put. As long as you pay, no one can make you move.
Move in fast
No waiting months for a mortgage approval. Once you pick a home and sign, you can often move in right away.
Make it your own
Decorate, paint, and bring your pets. You're working toward owning it, so live in it like you already do.
People, not just scores
We talk to your references and past landlords. Relationships matter to us more than a number from a computer.
If the bank keeps saying "not yet," start here
If you're tired of renting and want a home of your own, but your credit or income history holds you back from a normal bank loan, rent-to-own may be a great fit.
- You have bad credit, thin credit, or no credit yet
- Your income is steady but hard to document the bank's way
- You're self-employed or recently changed jobs
- You want the stability of owning without waiting years to qualify
I got approved with Qualify Homes and my dream home came available right away. I moved my family in within a couple days of looking at it, and we got the kids into their new school district before the year started. We were going to rent, but this way I get to live in the home, I have a three-year lease, and they're helping me get qualified to buy it. Thank you so much.
Answers to what people ask first
What is rent-to-own?
You live in a home and make a monthly payment, much like renting, but you also hold the right to buy it for a set price during the lease. That gives you time to repair your credit and build income history so you can qualify for a mortgage.
What if I have bad credit?
You can rent-to-own with bad credit. Helping people rebuild credit and get started on a stronger financial path is the whole point. You enjoy many of the benefits of owning while you do it.
What if I decide not to buy?
Plans change, and that's okay. If the home turns out not to be right for you, you're free to walk away at the end of the lease.
Ready to see if you qualify?
It takes a few minutes, it's free, and it won't affect your credit score. You could be planning your move sooner than you think.
Start my free application