BANK FUNDED RENT TO OWN PROGRAM

YOUR PATH HOME STARTS HERE.

Not quite ready for a traditional mortgage? That’s okay. Our bank funded program helps you move into the home you choose now.

Six quick questions. About one minute.
4%Low down payment. Gift funds allowed.
0Tax returns, W2s, or 1099s required.
100%Of the equity is yours when you sell.
HOW IT WORKS

FOUR STEPS TO YOUR FRONT DOOR

You pick the home. The bank buys it. You move in, make one monthly payment, and build toward owning it outright. We walk with you through every step.

01

GET PRE-APPROVED

Share three months of bank statements or two months of paystubs. That’s it. No tax returns.

02

CHOOSE YOUR HOME

Shop single family homes, condos, or duplexes. The contract is written in your name and assigned to the bank.

03

MOVE IN

Make one fully amortized monthly payment, including taxes and insurance, at a rate generally 1% above FHA.

04

OWN IT

After six months, refinance or assume the underlying FHA loan. Sell, and 100% of the equity is yours.

WHO IT’S FOR

FLEXIBLE BY DESIGN.

Built for U.S. citizens, permanent and non-permanent residents, and ITIN residents who don’t fit a traditional mortgage yet.

NO CREDIT OR THIN FILE
No problem. We use alternative methods.
RECENT BANKRUPTCY
Recently discharged cases are accepted.
ITIN AND DACA
We have specialized options for you.
NEWLY SELF-EMPLOYED
Under two years? Minimal documentation needed.
INCOME DOCUMENTATION
Three months of bank statements or the last two months of paystubs. No tax returns, W2s, or 1099s.
THE FINE PRINT, MADE SIMPLE

KEY GUIDELINES.

✓4% down payment
✓Gift funds allowed
✓Up to 6% seller concession
✓Single family, condo, or duplex
✓Within FHA county limits
✓FHA appraisal and inspection
✓Homeowners insurance required
✓Termite inspection required
✓Non-occupying co-borrowers allowed
BOOK A CONSULTATION

LET’S FIND YOUR PATH HOME.

Answer six quick questions. There are no wrong answers, and it won’t affect your credit.

01We review your answers personally.
02We call at the time of day that works for you.
03Together, we map your next move.