Stop Renting

 

Future Homeownership May Be Closer Than You Think  

If you have verifiable income and upfront move-in funds, you may still qualify for a lease-purchase opportunity — even if you cannot qualify for a traditional mortgage today.

Many buyers use lease-purchase programs because of:

• credit challenges
• self-employment income
• recent life events
• stricter bank lending requirements

With a lease-purchase arrangement, you can move into a home now while working toward future mortgage qualification and homeownership.

This Program May Be A Good Fit For

✔ Self-employed or 1099 income earners

✔ Buyers rebuilding credit after bankruptcy, foreclosure, or financial setbacks

✔ Individuals with savings or available move-in funds

✔ Renters ready to work toward homeownership

 

How The Program Works

Most lease-purchase agreements are structured for 12–24 months, sometimes longer if needed.

During that time, you live in the home while working toward future mortgage qualification and homeownership.

To Get Started, Buyers Typically Need:

✔ Verifiable income

✔ Required move-in funds/down payment

✔ First month’s payment

✔ Required up front move-in funds that are applied toward the purchase of the home.

Because you are working toward ownership, you will also be expected to help maintain the property and handle general day-to-day upkeep.

 

Important to Know:

• Each property has different pricing and move-in requirements
• Many homes require move-in funds starting around $10,000 or more depending on the property.
• Some buyers qualify for financing sooner than others
• The goal is to help qualified buyers move toward eventual mortgage approval and ownership

Many buyers enter the program because they cannot qualify for a traditional mortgage today — but may become mortgage-ready over time.

 

Program Highlights

✔ 3+ bedroom homes in Baltimore and surrounding areas

✔ Move into a home without traditional mortgage approval today

✔ Your upfront funds apply toward the future purchase price

✔ Immediate move-in available with signed agreement and required funds

✔ Monthly payments while working toward future homeownership