Tell us what you're looking for
Where, how many bedrooms, what you can pay monthly, and roughly when you need to move. Takes a few minutes.
For buyers
Rent to Own Homes for People a Bank Has Already Turned Down
Rent to own homes give you a way into a house now and a written agreement to buy it later, at a price you agree before you move in.
It's built for the person who can afford a monthly payment but can't get a mortgage approved today, which is a much larger group than most people think, and it has very little to do with whether you're good with money. We work across Atlanta, Snellville, Lawrenceville and Decatur.
You're not an unusual case
Who is rent to own actually for?
These are the ordinary reasons a lender says no.
You recently went self-employed
The income is real but too new for a lender to count it.
Your down payment went somewhere else
You had it saved and something took it. The money is gone and the plan isn't.
You already carry a mortgage
Which makes a second one harder than it needs to be.
Other debts make you look worse on paper
Worse on paper than you are in life, which a lender has no way to see.
A bankruptcy or eviction still follows you
It's on the record, and it's still being counted against you.
Your credit is thin rather than bad
Not enough history for a lender to read, which isn't the same as a poor history.
None of that stops you living in a house you're working toward owning. The questions people ask before they call.
What you get out of it
Why do buyers choose rent to own homes?
A price agreed now, in writing
The purchase price is settled before you move in, for the length of the option. If the market runs up in the meantime, that's your gain to keep.
Nobody can buy it out from under you
For as long as the option is live, the house is not going to somebody else.
Time, which is the thing you actually need
Most people in this position are one or two fixable items away from a mortgage. Living in the house while you fix them beats renting somewhere you don't want to be while you save.
You find out what the house is really like first
Not the tour: the commute in traffic, the neighbors, how it handles a Georgia summer and a heavy rain. People who buy conventionally find this out after closing.
A home, not a rental
Paint it. Put things on the walls. Plant something.
You're dealing with people here
The phone is answered by someone in Georgia who knows the property. If something comes up about the house, you're talking to a person rather than filing a ticket.
You don't need 20% down
The amount required to secure a rent to own home is normally far below what a conventional lender expects, and it's negotiable rather than fixed by an underwriting rule.
You're treated as a person, not a credit file
A lender sees a score. We look at what you earn, how long you've earned it, what actually happened with the credit, and whether the monthly number works.
No obligation at the end
Written into the agreement. The option is a right, not a requirement.
How it works
How does rent to own work, step by step?
Before step one, it helps to know your own numbers: work out what you could afford and what a lender counts against you.
We talk about your situation honestly
What a lender will want to see from you, and how far away it realistically is. If rent to own is the wrong answer for you, we'd rather say so now.
We find the home
Either from homes already in our program, or by going and finding one that fits what you need. Not every house can be structured this way, and we'll tell you which ones can.
The terms get agreed and written down
Purchase price, monthly payment, option fee, how long you have, who is responsible for what. All of it in writing before anyone signs anything.
You move in
And start working toward the purchase from inside the house.
You buy the home
When your financing is ready. You can normally buy before the term ends if you get there early.
Where we work
Where can you rent to own a home near Atlanta?
Atlanta, Snellville, Lawrenceville, Decatur and the areas around them across Gwinnett and north metro Atlanta.
Atlanta
Snellville
Lawrenceville
Decatur
Gwinnett County
Selling instead?
If you own a house you need out of and you're open to being paid over time, that's the other side of what we do.
Selling on terms