Lease with a Right to Purchase Program

Have you found the perfect home but aren't quite ready to qualify for a traditional mortgage? The Lease with a Right to Purchase Program may provide a path toward homeownership while giving you time to strengthen your financial profile.

This program is designed for buyers who can comfortably afford a monthly housing payment but may need additional time to meet mortgage qualification requirements. Rather than putting your homeownership goals on hold, you may be able to move into a home now while working toward purchasing it in the future.

This Program May Be a Good Fit If:

  • You were recently declined for a mortgage due to credit challenges.
  • You have the income to support a mortgage payment but need time to improve your credit profile.
  • You do not currently meet employment history requirements for traditional financing.
  • You recently changed careers, became self-employed, or have limited work history.
  • You are expecting to qualify for a mortgage in the near future but have already found the home you want.
  • You are relocating and want flexibility before committing to a mortgage.
  • You are uncertain about future employment changes and prefer to delay a home purchase.
  • You need additional time to save for a down payment or closing costs.
  • A co-borrower may be needed in the future but cannot currently be added to a mortgage application.

Program Benefits May Include:

  • Move into a home before qualifying for a traditional mortgage.
  • Lock in a future opportunity to purchase the property.
  • Additional time to improve credit, employment history, or savings.
  • Ability to work toward homeownership while enjoying the benefits of living in the home.
  • Personalized guidance from professionals who understand the path from renting to owning.
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At HOMEROCK Realty, we understand that life's circumstances don't always fit neatly into traditional lending guidelines. Our goal is to help create solutions that move buyers closer to homeownership while providing a realistic plan for future mortgage qualification.

If you've been told "not yet" by a lender, that doesn't always mean "never." Contact our team today to learn whether the Lease with a Right to Purchase Program may be the right solution for your situation.