For Buyers

Rent To Own & Lease Purchase

Alternative routes to homeownership if you have challenged credit or need time to prepare.

Own A Home Even When The Bank Says Not Yet

Less-than-perfect credit or not enough saved for a down payment should not lock you out of homeownership. A lease purchase agreement lets you move into your future home today while locking in the purchase price at today's value. You live in the home, build equity with every payment, and give yourself the time you need to strengthen your credit and save up your down payment. By the time you are ready to buy outright, you already have skin in the game and a price that may be well below market by then. Instead of renting for another year and watching home prices climb out of reach, you are positioned to buy on your terms.

EXCLUSIVE BUYER SOLUTIONS

Explore specialized pathways designed to break down barriers to homeownership and maximize your purchasing power.

Lock In Today's Price

Home values keep rising. A lease purchase freezes the purchase price at today's level, so if the home appreciates over your lease term, that equity gain is yours, not the seller's. You are buying tomorrow's home at today's price.

Build Equity While You Rent

A portion of your monthly lease payment can be credited toward your future down payment. Instead of throwing rent away, you are investing in your own home purchase every single month.

Time To Fix Your Credit

A lease purchase gives you 12 to 24 months to improve your credit score, pay down debt, and save your down payment while already living in the home you plan to buy. No pressure, no rush, just a clear path to ownership.

Live In It Before You Buy It

You get to experience the neighborhood, the schools, and the home itself before making the full commitment. If it turns out to be the right fit, you buy with confidence. No surprises after closing.

Every Month You Rent Is Equity You Lose

Home prices in the Carolinas keep climbing. The longer you wait, the more expensive getting in becomes. A lease purchase lets you lock in today's price and start building equity now, even before you are ready for a traditional mortgage.