Stable income
You should be able to document reliable household income and demonstrate that the monthly housing payment fits your budget.
Program qualifications
Start with a plan you can realistically complete.
We consider the complete picture—not only a credit score. Final approval and terms depend on the applicant, property, and written agreement.
Required down payment
Every opportunity requires a down payment. The amount varies by property, agreement, and applicant situation.
Ability to maintain the home
Lease-purchase agreements may assign maintenance or repair responsibilities differently from ordinary rentals. Review the written terms carefully.
A path to financing
The goal is to become mortgage-ready within the agreement period. Credit challenges may be workable, but the plan must be realistic.
Complete and accurate information
Be prepared to discuss income, employment, move-in funds, desired areas, household needs, and known financing obstacles.
Important: Meeting these general considerations does not guarantee approval, a particular home, or future mortgage financing. A down payment is required.