Frequently Asked Questions

You’ve got questions, and that’s perfectly normal. Most hardworking families do when they’re exploring their options. Here’s a helpful collection of the most common questions we hear from Fayetteville families, along with our honest, straightforward answers. If you need more clarity, don’t hesitate to contact us anytime. We’re here seven days a week and genuinely want to help.

What exactly does lease-to-own mean?

Simply put, a lease-to-own agreement is a structured pathway that combines renting with eventual homeownership. It’s often called a lease with an option – or lease/option agreement – and it’s designed for families who deserve better than throwing money away on rent.

The lease portion works like a standard rental agreement with monthly payments, a security deposit, and clear terms – just like any quality property you’d rent.

The option gives you the exclusive right to purchase your home after a set timeframe – typically around 3 years. This gives you the breathing room to build savings for a down payment, improve your credit, increase your income, or address whatever challenges might be keeping traditional lenders from saying ‘Yes.’

Most families complete their purchase using a traditional mortgage before the option expires, but we’re experienced at finding solutions when your situation has unique circumstances that require creative thinking.

We’ve helped countless hardworking families just like yours achieve the dream of homeownership, even when others said it wasn’t possible.

Fill out the form below to get your Mint Start on the path to homeownership today!

How does your lease-to-own process actually work?

Our lease-to-own process is refreshingly straightforward – no complicated hoops to jump through.

After you’ve toured one of our quality homes, we’ll provide a simple application to complete. Don’t worry – we specialize in helping people with all kinds of credit and financial backgrounds. If you can afford the monthly payment, we can probably help you own it.

Once you’re approved, simply sign the agreement, pay your security deposit and first month’s payment – then move right into your future home!

Your lease/option agreement (the lease-to-own contract) will clearly outline your timeframe to complete the purchase – typically 3 years, though we may extend your option if you need additional time to reach your goals.

The final purchase usually happens through a traditional mortgage, but we’re experienced at finding alternative solutions based on your unique financial circumstances.

That’s honestly it!

Once you’ve completed your mortgage, you’re done – you officially own your home and have your fresh start!

Your first step is simple – sign up to discover quality properties around Fayetteville by filling out the form below.

You’ll get immediate access to great lease-to-own homes in the 28314 area, plus valuable resources to help you succeed.

Sign up and get your Mint Start today!

Do appliances or furniture come included with lease-to-own homes?

Typically, furniture isn’t included with a lease/option agreement.

However, essential appliances are included – like refrigerator, stove, oven, and often extras like dishwasher, washer, and dryer. Built-in systems like heating and air conditioning are definitely part of the package.

Occasionally, we’ll offer a property with some furnishings included. Most families prefer to bring their own belongings to make the space truly feel like home, which is why furniture is usually handled separately.

There are companies that offer lease-to-own furniture or additional appliances, giving you plenty of choices for styles and features that fit your family’s needs.

But here’s a word of caution!

While lease-to-own real estate can be an incredible opportunity, some furniture companies charge outrageous amounts for lease-to-own agreements. You could end up paying 2-3 times more for these items than if you saved up and bought them outright.

Plus, those appliances will depreciate in value – unlike real estate, which typically appreciates over time.

You want your hard-earned money building equity in an asset (like your home) that will increase in value, not disappearing into expensive interest payments on depreciating furniture.

Don’t wait another day! Fill out the form at the bottom of this page to get your Mint Start now.

What if I have bad credit? Can I still qualify for lease-to-own?

Absolutely! Many families with credit challenges can still qualify for lease-to-own homes.

Every situation is unique, but we specialize in saying ‘Yes’ when mortgage companies say ‘No.’ We understand that good people sometimes face tough circumstances or make mistakes – that doesn’t mean you don’t deserve a chance at homeownership and a fresh start.

Even with credit challenges, you can still own a quality home!

One of the biggest advantages of our lease-to-own program is that it provides the time and structure you need to rebuild your credit before purchasing. You’ll enjoy the benefits of homeownership while working toward your financial goals and saving for a down payment.

Fill out the form at the bottom of this page right now and claim your piece of the American dream!

What are the real benefits of choosing lease-to-own?

There are significant benefits to choosing a lease-to-own path to homeownership!

Throughout the Fayetteville area, smart families are using lease-to-own agreements to secure the home of their dreams without having to qualify for a traditional bank loan immediately.

In recent years, banks have become increasingly strict with their lending requirements. Most families who choose lease-to-own want those extra years to position themselves for mortgage approval success.

Here are some additional reasons why lease-to-own makes perfect sense:

• Try before you buy! You get to truly live in your home before committing to purchase it, ensuring it’s genuinely the right fit for your family. If it doesn’t feel like home, you’re not obligated to complete the purchase.
• Own without perfect credit or a massive down payment. You can start building equity and feeling like a true homeowner while improving your credit and growing your savings.
• Complete privacy. You won’t appear as the purchaser on any public records until closing, giving you years of financial privacy while you prepare for ownership.
• Move in quickly. Since you don’t need to wait for mortgage approval, you can often move in right away – and start building your new life in the home you’ll eventually own!

Don’t wait another day! Get your Mint Start now by filling out the form at the bottom of this page.

Is there a down payment required for lease-to-own homes?

Not upfront!

You don’t need a down payment until you’re ready to complete your purchase (typically 3 years down the road). However, there is usually an option fee due when you move in and sign your purchase agreement.

Like any lease agreement in Fayetteville, there may be a security deposit and small application fee in addition to the move-in fee. Of course, you’ll make monthly rent payments throughout your lease period.

We’ll work with you to structure the perfect scenario for your family’s needs. We’ll walk you through our lease-to-own calculations and explain every detail of your agreement, ensuring you understand exactly what works best for your situation.

Don’t wait any longer! Get your Mint Start now by filling out the form at the bottom of this page.

What are the requirements for your lease-to-own program?

We understand that every person, family, and situation is completely different.

We’re committed to finding creative solutions to help you own the home of your dreams, because everyone deserves a fresh start.

After you’ve toured the property, you’ll complete a straightforward rental application with detailed information about everyone who will be living in the home.

We’ll run a credit check and verify income for all adults in your household to ensure you can comfortably make your monthly payments.

Families with bad credit, no credit, limited savings, and various other financial challenges have all successfully leased and then purchased their dream homes through our program.

We’ll speak with your references and previous landlords because relationships and character matter to us far more than scores assigned by a computer algorithm.

We genuinely love helping great people achieve their dreams, so don’t let fear hold you back – fill out the form below to get your Mint Start!