The process
From the first form to the deed, step by step.
Nine steps. The first three cost you nothing and commit you to nothing. The rest is what most rent-to-own sites do not describe, which is exactly why it is here.
Part one
Finding out whether we have something for you.
Free, and no credit check. At the end of this you know whether there is a house that fits and whether the timing is realistic.
- 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.
Part two
What actually happens next.
The steps below are where a lease option is either a good deal or a bad one. Read step 05 and 06 twice — they are the two that protect you, and they are the two a predatory operator will try to hurry you past.
- 04
You look at the house
In person, like any other viewing. Take someone with you. Look at it as a house you intend to own for a decade, not one you are renting for a year — because that is what you are deciding.
- 05
We put every number in writing
The purchase price, the option fee, the monthly payment, how much of it is credited, and the exact date the option expires. Before you pay anything. If any of those are missing, do not sign.
- 06
You have it reviewed
By a real estate attorney, or by a HUD-approved housing counsellor, which costs nothing. We would genuinely rather you did. An agreement someone independent has explained to you is one you will not be surprised by in year two.
- 07
You move in, and the credit starts
You live there as the future owner. Each on-time payment adds to what has been credited toward the purchase, and the price stays where it was agreed.
- 08
You get mortgage-ready
This is the part that decides how the story ends, and it is on you — with help. We will point you at what is actually holding your file back and check in as you go. A HUD-approved counsellor is free and worth using.
- 09
You exercise the option and buy the house
Your lender pays the agreed price. The option fee and everything credited come off what you owe. Title transfers, and it is your house.
Your side of it
What we will ask you for.
Not at the enquiry stage — nothing below is needed to join the list or to see what is available. This is what comes up once you are looking at a specific house.
Honest numbers on what you earn
Including the awkward parts. Self-employment, variable hours, a second job. We are not an underwriter and we are not scoring you — we are working out what payment is genuinely comfortable.
A look at your credit
So we can tell you what is holding it back and roughly how long it takes to fix. It is a conversation, not an application, and it does not affect your score.
What you are already committed to
Car finance, student loans, anything in collections. These decide what a lender will do in two years, so they decide whether this plan works.
A realistic move date
Ours change month to month as houses come in. Knowing whether you need something in six weeks or six months changes what we show you.
Step one
Start at the beginning.
Tell us the area, the bedrooms and what you can comfortably pay. That is enough for us to say whether there is anything worth you looking at.
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.