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H-elping E-stablish R-oots | a rent to own program.

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H-elping E-stablish R-oots | a rent to own program.

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About Us

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Path to home ownership

We are dedicated to assisting those find their path to homeownership. We offer creative financing solutions for those who may not qualify traditionally for a mortgage to purchase property within a 12 -36 month time frame. These opportunities are presented on a lease option to buy only.  

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how are we different

We offer credit counseling and home buyer courses during the term of your lease to help better prepare you to qualify for a mortgage at the end of the  lease term. 

Learn about our process
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Build wealth in real estate

 This program is truly dedicated to your success and offers many incentives to purchasing property through our program all while building your Real Estate Portfolio.  

Review qualifications

search lease option homes

Want to explore other Lease Option homes for rent to  own program  on the Arizona MLS? Click below for a current list.

 *Please note, these homes do not have the same requirements as Helping Establish Roots program and are subject to Owners terms. 

Search MLS

Who Could Benefit From A Lease Option?

Self Employed & ENTREPRENEURS

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Often times, those who are self employed can't qualify for a bank approved mortgage until they have at least two years of successful business ownership. A lease option allows the time needed to build your monthly income. 

Relocation

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If you're someone relocating to a new area you may want to test out a neighborhood prior to making a complete commitment all while locking in a good price. The flexibility of a lease option allows you to buy or move to a difference area instead, 

Low Fico score FORECLOSURE bankruptcy

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Applicants with recent foreclosures or bankruptcies face waiting periods with many traditional mortgage programs. We also give you the tools you need to improve your score through our rent to own program.


Qualification

 

  1. Income-Household Income Minimum of $50,000 annual. 
  2. Rental History-One year favorable rental history or proof of home ownership 
  3. FICO Score- Minimum median score of 580.
  4. Credit Report-Must have improvable credit to qualify for a mortgage in 24 months or less.* Lease end date must fall within bankruptcy and foreclosure statues to be approved for a mortgage. Please note this program is designed for those who may have unfavorable credit.

Costs

 

 

Option fees are your "down payment" on your future home. This is paid up front to the owner for allowing you to  lease to own the property. It will also be deducted from the final purchase price of the home. It is non-refundable if you choose not to exercise your option or cannot acquire financing to exercise your option to buy. 

Option Fees

(3-5% of the purchase price)   

For example a home purchased at $250,000 would required a down payment of $7,500-12,500. 


Benefits

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FLEXIBILITY

When you sign a lease option, it is simply that. If you change your mind and no longer wish to purchase the home through our rent to own program . You are able to void the purchase contract without penalty.

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Instant Equity

Your down payment, along with appreciation allows for instant equity when you purchase the home. Securing a home on a lease option also allows you time to repair your credit, putting you in a better position to shop for better interest rates based on a higher median FICO score.. 

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Close the deal

At the end of your lease you will be able to purchase the home through our rent to own program with little to no additional costs. Your initial option fee is credited toward your purchase and you won't need to pay to move again after closing escrow.


Join our priority waitlist

herEquity is currently negotiating the best prices for the best homes on the market. 

If you are considering purchasing within the next 1-3 years join our priority wait list and you will be notified when homes are available. 

click here


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Thinking about selling your rental property?

We collaborate with Owners and Investors who seek high quality applicants looking for lease option opportunities.  If you are tired of renting out your property to tenants and want to capitalize your equity click "Find Out More"  to see if your property may qualify for our Lease Option program. 

Learn More

Whether you are looking to turn your primary residence into a rental, have a rental property that you wish to sell soon, or need more cash flow from your property, we are here to help! 


Find out how you may benefit as a seller.

Find out more

More ways to buy

BtR

want to buy a house?

 

Don't think a lease option is right for you? Looking for down payment assistance? 


See if you qualify to buy a home the traditional way. 


Click below to start the process. 

buy with brooke

Are you a homeowner?

If you own property or are curious about our rent to own program; thinking of selling  your property click below.

Click here

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