RENT-2-OWN PROGRAM
MAKING HOME OWNERSHIP POSSIBLE
TIRED OF RENTING?
START OWNING!
Our rent to own program is the option for those that can’t get a mortgage today but are willing to work towards getting approved in the near future.
Learn MoreWHEN THE BANKS SAY NO, WE CAN MAKE IT HAPPEN!
3 Easy Steps
HOMEOWNERSHIP IS EASIER THAN YOU THINK
1. APPLY
Regardless of your credit situation and your down payment, we will work on getting you approved for a rent-to-own home. Our licensed realtors will help you find the perfect home.
2. RENT
Rent is just a term. In our program, you are considered the owner the day you move in. Your monthly payment will help build up your down payment, while boosting your credit score.
3. OWN
Once you have enough down payment built up as well as good credit from consistent monthly rent payments, you can qualify to take over the home as a legal owner.
How Does it Work?
YOUR TIMELINE FROM DAY 1
START BY GETTING QUALIFIED
Fill out the form bellow and we'll get you an answer within 72 hours.
CHOOSE YOUR OWN HOME
Full freedom of choice in choosing the home that suits you best!
WE PURCHASE THE HOME FOR YOU
Our investors will purchase the house you have selected.
THE PRICE GETS LOCKED IN
The price of the home AND the rental amount get FIXED. No increases!
FIX CREDIT, SAVE UP A DOWN PAYMENT
We will work with you to help you fix any credit issues and through the monthly rent, your down payment will increase.
QUALIFY FOR A MORTGAGE
At the end of your rental term, we help you qualify for the mortgage.
YOU BECOME THE OWNER!
Once approved, you become the owner! And, get to keep all the equity in the home!
WHO IS THIS PROGRAM IDEALY FOR?
REGARDLESS OF YOUR SITUATION, WE CAN HELP PUT YOU IN A HOME TODAY
We know life sometimes throw you a bunch of curve balls. It could be a divorce, bankruptcy, consumer proposal, loss of job, work place injury, being new to the country, self-employed or bad/no credit. These challenges shouldn’t hold you back from owning a home with our Rent to Own Program.
CREDIT ISSUES
Are Banks saying NO for a mortgage?
Rent To Own Smart will provide you with an opportunity to get into a home so that you can fix your credit by making consistent, monthly payments.
NEW TO CANADA
New Canadians face the challenges of not having an established credit history. The Rent To Own Smart program will help solve that by giving you time to build your score while living in a home you will soon be able to call your own.
SELF-EMPLOYED
Problems with declaring income? No problem with The Rent To Own Smart Program. We will get you in a home so you will have the time to build some equity.
DIVORCE
The Rent To Own Smart Program will help you get back on your feet. Time doesn't just heal all wounds; it can also help fix your credit issues and build a down payment.
BANKRUPTCY
Conventional methods will deny you for a mortgage if you have a low income. Not Rent To Own Smart. We will get you approved for a home that will eventually be yours to own.
DOWNPAYMENT
Not having enough for a down payment shouldn't stop you from becoming a homeowner. At Rent To Own Smart, will be able to get you into a house while you build your down payment.
HOW TO QUALIFY?
HOMEOWNERSHIP IS EASIER THAN YOU THINK
DOWN PAYMENT
We require a minimum down payment of $15,000 or 5% of total price of the home (which ever is larger). So a $400,000 home will require a bigger down then a $300,000 home. This is 100% credited towards your purchase of the home. Your down payment is required at the moment we have the home inspection.
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HOUSEHOLD INCOME
Steady, provable household income that can support the price of the home you would like. A general guideline is $50,000 annually but this depends on the price of the home you wish to purchase. We use the current benchmark to determine your affordability.
learn moreCREDIT REPORT
Although your credit report won't necessarily disqualify you from our rent to own Program it is important to know where you stand and what will be needed to improve it while you are in the program. We provide support and you provide the "doing". Credit repair is a commitment.
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SELECTING A HOME
May not seem like a strong determining factor overall for qualifying for rent to own but for us it is. You should want to select your home as this might be the most important determining factor of success. With our program you should commit the time to working with one of your realtors to find the right home. If you don't love the home it's going to make it harder to succeed.
learn moreWhat Our Clients Say About Us
TESTIMONIALS
Our goal is to get our clients get into a home as soon as possible, regardless of their credit score and to give them the chance to be a homeowner in the near future.
you have questions? we have answers!
Call :
Email :
Location :
1100 Robert-Bourassa, #104, Montréal, Québec, H3B 3A5