Rent To Own Program in Jacksonville, FL




How can I buy a home in Jacksonville, when I have bad credit?

You can’t through conventional lenders, but you can with our help. We can setup a Rent-to-Own agreement to help improve your credit over time. We also work with mortgage brokers who may be able to arrange a loan for you.

We are not extremely interested in your past credit status. Your ability to make reasonable monthly payments and your desire to be a homeowner now is what is really important to us.

How does your Rent-to-Own Jacksonville, Program Work?


A Rent-To-Own (RTO) transaction is where you would rent a home just like any other lease agreement, but the biggest difference is that you have the option to buy the home at any time during the lease period for a fixed price.

RTO designed to help you to get a home right now that you plan on buying in the future.

The agreement is set for a fixed period of 12-36 months. The purchase price is fixed, and will not change for the duration of the lease. Real Estate market right now at about a bottom and you will not only get home for a great price but also any future appreciation will be yours to keep.

A portion of your rent payment will be credited toward the purchase of the home which would allow you to build equity while you rent.

An option payment (aka down payment) is required to move into a RTO home. The amount is flexible depending on each individual situation, and this payment is 100% applied towards the purchase price of the home when you buy.

The end goal is for you to get a regular mortgage to buy the home, and during the lease period you have time to work on any credit or financial issues that are keeping you from getting a loan right away. If needed we will refer all our clients to local credit repair company to make sure you will get best help with you credit repair.


How much down payment do I need?

We are very flexible with your down payment. We can offer you many options and we always do our best to work with whatever funds you have available. However, to give you the best chance of getting into your selected home, you should have a down payment equal to at least 3% of the purchase price.

What other methods of down payment are accepted?

Unlike most lending institutions, we accept borrowed funds for closing. If you have a close friend or relative willing to lend you money for your down payment, you can use that with our programs. You may also be eligible to withdraw or borrow from your 401K to purchase a home without penalties. ***We also accept major credit cards.

The home I wanted has been sold… can you find me another one?

Yes we can. Our homes go fast, so the best thing you can do is join our onlineVIP Buyers List.
Tell us what you are looking for, how soon you are looking to move and we will do our best to find you your next home. As soon as a home becomes available, we will call or email you about the home. Join our VIP Buyers List now!