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ACCELERATED OWNERSHIP PROGRAM
Lease Purchase Mortgage Program
Stop renting. Start owning. You buy the home in your name — with the deed and equity from Day 1. No landlord, no waiting, no rental agreements.
Explore All Programs
Day 1
EQUITY & DEED
580+
CREDIT SCORE
No
LANDORD RULES
Any
QUALIFYING PROPERTY
Own From Day One — Not Someday
Most rent-to-own arrangements make you wait years before you ever truly own anything. Meanwhile, your monthly payments go to a landlord and you build zero equity
Our Lease Purchase Mortgage Program is completely different. You purchase the home in your name from the very first day. That means the deed is yours, the equity is yours, and no landlord can tell you what to do with your property.
It’s designed specifically for buyers who need a little more time to strengthen their credit or income profile — without missing out on homeownership in the meantime.
OUR PROGRAM
TRADITIONAL RENT-TO-OWN
❌ No deed or title in your name
✓ Deed in your name from Day 1
❌No equity built during rental period
✓ Equity builds with every payment
❌ Landlord controls the property
✓ You own it — no landlord rules
❌ Limited to specific properties
❌Years before you officially own
❌ Payments lost if deal falls through
✓ Choose from any qualifying property
✓ True ownership from closing day
✓ Protected as a true homeowner
How the Program Works
A straightforward path from where you are today to owning your home — even if your credit or income isn’t perfect yet.
Fill Out Our Inquiry Form
Tell us about your situation — credit score, income, employment history, and what you’re looking for in a home. There’s no judgment here. We’ve seen every situation and our goal is to find a path that works for you.
We Review Your Situation
Our team reviews your application and identifies the best program fit. For many borrowers, the Lease Purchase structure opens doors that traditional mortgage lenders have closed. We’ll be honest with you about what’s possible and what the timeline looks like.
Choose Your Home
Unlike traditional rent-to-own where you’re limited to specific homes, you can choose from any property that qualifies under the program. We help you identify options that align with your goals and budget.
Close and Take Ownership
At closing, the deed transfers to your name. You are the homeowner from Day 1 — building equity, making it yours, and no longer at the mercy of a rental market.
Who Is This Program For?
If any of these situations sound familiar, this program may be exactly what you’ve been looking for.
Credit Scores Starting at 580
You don’t need perfect credit. We work with borrowers who are building or rebuilding their credit profile.
Recent Bankruptcy
Exited bankruptcy recently and ready to move forward? This program provides a structured path back to ownership.
Inconsistent or Transitional Income
Between jobs, recently self-employed, or with variable income? We review your full picture, not just a pay stub.
Previously Denied by Other Lenders
A denial from a bank is not the end of the road. Our flexible programs are built for situations others won’t touch.
Tired of Renting
Done paying someone else’s mortgage? This program puts the deed in your name so every dollar goes toward your future.
Want to Start Building Wealth Now
Equity is wealth. This program gets you on the ownership side of the equation without waiting for perfect conditions.
Frequently Asked Questions
What is a Lease Purchase Mortgage Program?
The Lease Purchase Mortgage Program is a structured path to homeownership for borrowers who may not yet qualify for a conventional loan. Unlike a typical rent-to-own, you take title to the home in your name from Day 1, building equity immediately and having full ownership rights.
Is this the same as a rent-to-own arrangement?
No — and that’s a critical distinction. In a typical rent-to-own, you pay rent for years before you ever own anything. With our program, you own the home from the closing date. The deed is in your name, you build equity from your first payment, and no landlord has control over the property.
Do I build equity right away?
Yes. Because the property is deeded to you from the start, every payment you make contributes to your equity — not a landlord’s investment. This is one of the biggest advantages over traditional rent-to-own arrangements.
What credit score do I need?
We work with credit scores starting at 580. We also review your full financial picture, including income consistency, employment history, and overall situation. Don’t let a number stop you from reaching out — fill out our inquiry form and we’ll give you an honest assessment.
Can I choose any home with this program?
You have the freedom to choose from any property that qualifies under the program — a major advantage over traditional rent-to-own arrangements where you’re locked into a specific home chosen by the seller. Our team will help you identify properties that work for your budget and goals.
Ready to Stop Renting and Start Owning?
Fill out our inquiry form and let’s review your situation. Every scenario is different — and that’s exactly where we shine.
Get Started Today
Call 888-668-3559