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Are you able to afford a home and make the monthly payments… but you’re not able to qualify for a mortgage loan?

You’re not alone. Unfortunately, upwards of 80% of Americans today can’t qualify for a mortgage loan or any kind of home financing. If you’re one of those people, maybe you think you’ll be stuck renting for life… Who wants to be stuck renting a place where you have no control? With surprise rent hikes or having the landlord sell the house out from under you? Who wants to be stuck renting a place that you and your family can’t truly call your own?

If this sounds like you, then keep reading to see if our Rent-to-Own Program is right for you.

What are the qualifications for our Rent to Own Program?

We require an up-front down payment that will be applied against the purchase price when you do eventually close on the property. Generally, your down payment will be between 3-10% of the purchase price, depending on the home and your personal situation.

Other than that, a commitment to diligently work with us to convert you from a home renter to a home buyer by the end of the lease term is the most important qualification.

A poor credit score will NOT disqualify you from our program, so don’t hesitate to consult with us.

Can I still do your Rent to Own Program if I don’t qualify?

No, unfortunately not. It wouldn’t be fair for us to put you into a home and have you make rent payments if we know you won’t qualify to buy at the end of the rental period.

Do I have to pay any fees or commissions?

Since we aren’t serving as real estate agents, we don’t charge any commissions or other fees.

But, as with anyone who buys a home, you are required to put 3-10% down, which will be fully credited to your final purchase price at closing.

Beyond this, you’ll make regular monthly rent payments and cover the usual costs associated with home ownership

Do my rental payments count towards my house payment?

No, they do not. Though, consider it this way — you may already be making rent payments somewhere.

At least with a rent-to-own home, you know that these payments will pay off down the line and help you secure the home you want today.

What if I don’t qualify for my mortgage loan after my lease period ends?

This rarely happens because we don’t accept people into the program unless we’re 99.99% sure they’ll qualify for a mortgage loan after the lease period.

In the unlikely event this occurs, we may be able to extend your lease if we’re confident you just need a little more time to qualify for a mortgage loan.

How long is the average rental period?

The length of the rental period is based on evaluation from our third party credit consulting agency and mortgage consultant. But usually, we can bring you to a point where you can qualify to purchase in anywhere from 12-24 months.

Who is the Rent to Own Program for?

This program is for anyone that wants to buy a home, but can’t qualify for a mortgage loan today.

Most importantly, this program is for people who are willing to invest the time and energy to get their credit on track so they can qualify for a loan to become buyers.

Alternatively, this program is perfect for someone who can qualify for a loan today, but just wants an extra year or two to save for a down payment, get better loan terms, or needs “seasoning” in the eyes of the lender.

Who ISN’T the Rent to Own Program for?

This program is not for anyone who wants an overnight miracle or is unwilling to put in the time and effort to fix what’s broken.

How Rent to Own Works

What Expenses Can I Expect to Pay?

Can I Get Into a Home with Zero Money Down?

How Does the Equity Enhancement Program Work?

Plum Properties LLC and affiliated or associated entities are not a real estate brokerage, although a principal in the entity is a real estate broker. Plum Properties LLC is a real estate investment company. All properties are owned by Plum , or or an affiliated entity, or Plum/Affiliated Entity may have a purchase contract and/or option with the owner of the property that will allow Plum/Affiliated Entity to assign to a third party, or is leased by Plum/Affiliated Entity with a right to sublease.

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