Houston, Texas · Lease to own
Lease to own a Houston home.
Move in before a bank will say yes. You agree the purchase price today, live in the house while your credit catches up, and part of every payment goes toward owning it — instead of disappearing into someone else's mortgage.
- No mortgage needed to move in
- Purchase price agreed up front
- Part of each payment is credited
- Move-in ready, often just remodelled
Would rather just talk?
281-609-7511Who this is for
A bank said no. That is not the same as you can't afford a house.
Mortgage underwriting is a checklist, and plenty of people who can comfortably carry a payment fail it for reasons that have nothing to do with whether they can.
- 01
Your credit isn’t there yet
A collection from years ago, a thin file, or a score that is climbing but not climbing fast enough for an underwriter.
- 02
You’re self-employed
You earn plenty. Proving it in the form a bank wants — two years of returns showing the same thing twice — is the problem.
- 03
The down payment is the wall
You can carry the monthly payment comfortably. Saving five figures while paying someone else’s mortgage is what keeps not happening.
- 04
You’re new to the country
Income, savings and a job, but no US credit history for a lender to score.
- 05
A divorce or a bankruptcy is still on file
You are past it. The waiting period a lender applies is not, and you would rather not rent for another three years.
- 06
You’re tired of renting
You want the yard, the school district, and the freedom to paint a wall — without waiting for a mortgage you keep getting refused.
None of these disqualify you here. What matters is whether there is a realistic route from where you are now to a mortgage approval before the option runs out — and that is the first thing we look at, not the last.
How it works
Three steps to seeing what you could get into.
Nothing here costs anything, and nothing here is a credit application. We are working out whether we have a house that fits you and whether the timing works.
The process in full- 01
Tell us what you’re looking for
Free, and it takes a minute. The area you want, how many bedrooms, and what you can comfortably pay each month.
- 02
We look at your situation
We go through where your credit and income actually stand, what that means for a lender, and which of our homes fit. If lease-to-own is the wrong answer for you, this is where we say so.
- 03
You see the homes that fit
View what matches. New properties come in every month, and everyone on the list hears about them first.
Where the money goes
Rent disappears. This doesn't.
That is the entire difference. When you rent, the money is gone the moment it clears. Under a lease option, an agreed share of every on-time payment is credited against the purchase price of the house you are already living in.
Total credited, growing every month
Each box is one month's payment
The homes
Houses people actually want to live in.
Our local lease to own homes are move-in ready, in good neighborhoods, and often freshly updated.
We buy houses across the Houston area every month from owners who need to sell, and most of them are remodelled before anyone moves in.
2 bedroom – 4 bedroom homes
1,400 – 2,500 square feet
Updated kitchens and bathrooms
Often many upgrades
Inventory changes every month, which is what the list is for — the homes go to the people already on it first.
Your three options
Renting, leasing to own, or buying outright.
If you can get a mortgage today, get one — it will cost you less than this will, and we will say so on the phone. This is for the years before that is possible.
| Renting | Leasing to own | Buying with a mortgage | |
|---|---|---|---|
| Credit score needed to start | Enough to pass a rental screening | Lower than a mortgage — we look at the whole picture, not just the number | Typically 620+, and higher for the best rates |
| Cash needed up front | Deposit plus first month | An option fee, which is credited to your purchase price | Down payment plus closing costs |
| Does the monthly payment build anything? | No. It is gone. | Part of it is credited toward the purchase | Yes — equity, from the first payment |
| Price you eventually pay | Not applicable | Agreed now, and locked for the length of the option | Agreed now |
| Can you make it your own? | Ask the landlord | Yes — it is the home you are buying | Yes |
| Who handles repairs | The landlord | Set out in your agreement before you sign — read this part carefully | You |
Before you go any further
What can go wrong, from us rather than from someone else.
Rent-to-own has a bad reputation and a fair amount of it is deserved. You are going to read that somewhere, so you may as well read it here, where we can also tell you what to check.
If you don’t qualify by the end, you can lose the option
This is the real risk, and it is the one that costs people money. The option fee and the rent credit are tied to you buying the home within the agreed window. Nobody should sign one of these without a realistic plan for how they get mortgage-ready inside it — which is why we go through your credit before, not after.
The purchase price is fixed at the start
That protects you if the market rises and works against you if it falls. It is a genuine trade, not a feature, and you should understand which side of it you are on before you sign.
Late payments can break the agreement
Rent credit generally depends on paying on time. A payment schedule that only works in a good month is not one to sign — tell us what you can actually afford, not what you hope to.
Repairs may be yours
In many lease-option agreements the tenant-buyer takes on maintenance the way an owner would. It is a fair arrangement, but it must be in writing and you must know it going in.
Start here
Tell us what you're looking for.
The area, the bedrooms, and what you can comfortably pay each month. We will come back to you about what fits — and if nothing does right now, we will tell you that instead of stringing you along.
- No credit check to join the list
- No fee, at any point, to see homes
- You hear about new houses first
Or call
281-609-7511Find out what you could actually get into.
Tell us the area, the bedrooms and what you can comfortably pay. We will tell you honestly whether we have something that fits — and if lease-to-own is the wrong route for you, we will tell you that too.