Q: How does your home program work?

A: Our Fast Track program starts with a Homeowner Application. We are looking at your financial ability make timely payments consistently. Your Credit Analysis will help us determine what level we start at.

Q: What are the levels?

A: Bronze - Test drive one of our homes as a renter - then let us know if you want to go further. (Requires Credit Restoration & a Move In Fee).

Gold - Our Rent to Own is one of the fastest ways to home ownership. (Requires Credit Restoration & Option Fee).

Silver - With your good payment history with us you are eligible for Owner Financing. (Requires Credit Restoration & 5-10% down payment). Ask about our Work Equity Program.

Platinum - Congratulations! You have reached the Peak - with our Credit Restoration you are able to get your own Bank Financing.

Q: Do you provide financing for your properties?

A: Yes, we work with you on getting owner financing and help with Credit Restoration so that you have multiple options to finance your home.

Q: I have a recent Bankruptcy can I still buy a home?

A: We do not require any traditional credit score or credit report. 80% of home buyers can't be approved for bank financing, but you can with our help. We can set up owner financing, rent-to-own all while we work on your credit over time.

Q: How much money down do I need?

A: We can meet you where ever you are. We can simply start out renting and as money is available we can move up towards rent-to-own or owner financing. We also offer down payment assistance. We can take that larger chunk of money and spread it over 6 to 12 months.

Q: What interest rate do you charge to buy a home?

A: Typical interest rates range from 7% to 10.5% depending mostly on your down payment.

Q: I'm Short on down payment any suggestions?

A: Unlike banks , we accept the following: borrowed funds from a family member or friend, use your 401k to purchase without penalties, Tax Refund or even if you have a house to trade.

Q: What is the difference between rent to own, lease option, lease purchase, rent to buy, owner financing, and land contract?

A: Lease option transactions are also known as rent to own, or rent to buy transactions. In these transactions, the renter has the option to buy the home after the rent period is over. The written agreement states the lease term, the purchase price, the down payment, and the rent credit. Lease purchase transactions are similar to lease options, but these agreements require the renter to purchase the home after the renting period is over. Owner financing agreements and land contracts have similar payment plans as lease options. However, in these arrangements the buyer gets the deed and the home is in their name as soon as the agreement starts. But, instead of taking a full amount for the home immediately, the owner acts as a lender and takes payments on the home. Then the buyer gets a mortgage from a third party lender when it comes time to pay for the rest of the house.

Q: What type of potential buyers chooses the rent-to-own method?

A: Buyer's who need help getting their finances in order so they can apply for an affordable loan once the rental period is over. Buyer's with bad credit who are not able to get approved for a loan at the present time, but who are willing to work on Credit Restoration and are able to buy the home once the rental period is up. Buyer's who do not want to pay rent anymore and move towards owning a home. Investment, parts of your down payment and rent go towards ultimately purchasing your home. Appreciation: your purchase price is fixed in a rent-to-own agreement, if the housing market goes up in value your home is now worth more. Own, despite your credit history.

Q: Do I have to buy the home at the end of the lease?

A: No, you have the option to purchase, It is up to you whether you want to buy the home or not after the rental period is over. Be aware, however, you will not get any of the equity invested returned to you if you don’t buy the home

Q: What are the benefits of rent-to-own versus other methods of purchasing a home?

A: Opportunity to purchase your own home: You can build your credit and financial stability while working towards owning your home. Prepare for home ownership: learn what it means to really own a home before you buy one. Turn your rent into an investment: parts of your down payment and rent go towards ultimately purchasing your home. Profit from appreciation: your purchase price is fixed in a rent-to-own agreement, so there is an opportunity for you to profit if the housing market goes up and your home is worth more than it was when you signed the contract. Credit improvement specialists available: first-access-rent-to-own.com has experts in credit repair that can help you improve your credit in time to buy your home when it comes time. Fill out our form now! You have the option to purchase: It is up to you whether you want to buy the home or not after the rental period is over. Potential to own despite your credit history: Even if you have bad credit from past issues or present ones, home ownership can be a possibility for you if you are willing to work on your credit. Fill out our form and start the process with one of our credit specialists.

Q: What if my credit does not improve enough to obtain a mortgage at end of my rent-to-own period?

A: We are here to help you. Our Credit Restoration program will do all the heavy lifting. However you will have to make some different choices too. Like, don't eat out as often, cut back on those cappuccinos and such. We work together with you demonstrate some self control and most of all keep your eye on the Big Prize! Your home!! Our Credit Restoration has a fully trained staff specifically trained to restore your credit score. Our specialists work with you and show you what you need to do all along the way.

Q What is a rent credit?

A: Rent Credit is a portion of your rent each month that goes towards your eventual closing costs and down payments of you decide to buy the home.

Q: Will my down payment & monthly rent credits be returned to me if I do not purchase the home at the end of the lease?

A: No, these fees are not refundable. Unfortunately, this is one of the things you must be aware of in a rent-to-own agreement. If you are careful about the home you choose, getting your credit up, and making yourself financially stable, then this will not matter because you will be able to purchase the home when you want to.

Q: Who pays the taxes and any insurance on a rent-to-own agreement?

A: During the lease period, the seller is responsible for the mortgage payments, homeowner insurance and property taxes. After the renter buys the home, those responsibilities are transferred to the new home owner.