Buying Your Next Home Can Be Easy
You Don't Have to Be Mortgage-Ready Today
Move into the home you want while working toward becoming a homeowner
That doesn't mean you have to put your homeownership goals on hold.
Who's This Perfect For
Recently relocated or in transition
Tired of renting
Credit score needs a boost
Self-employed or non-traditional income
Wants to lock in a home price now
Serious about owning, not just renting
Needs time to clean up credit or pay down debt
Wants to move into a home now
Renters who want to buy their current home
Why Buyers & Renters Love Us
At NextGen Homeowners, we're not agents, we’re homeownership advocates. We believe families should have more paths to own without banks shutting the door.
We can help people with bankruptcies, credit trouble, and everything in between. If you're serious about owning a home, we're serious about helping you get there.
With a our Lease Option and Creative Finance stratagies, you don’t have to jump through all the hoops lenders require right away. Even if you’ve faced financial challenges, our path gives you time and space to move forward - without judgment.
A Different Path to Homeownership
What If I'm Not Mortgage-Ready Yet?
Traditional home buying can feel like a simple yes or no.
You apply for a mortgage. The lender looks at your finances. If you're not ready, you're told to come back later.
We take a different approach.
With our lease-to-own programs, you may be able to move into a home while you work toward becoming mortgage-ready.
You get time to improve your financial position while living in the home you're working toward owning.
And we're here to help you along the way.
The main event
How it works?
Learn how Rent-to-Own can make you a NextGen Homeowner
1. Let's Talk
It starts with a simple phone conversation.
We'll learn more about you, your goals, and whether our program could be a good fit.
We'll talk about things like:
- Your income and employment
- Your approximate credit profile
- Funds available for the option fee
- Your homeownership timeline
- What you're looking for in a home
- Whether the home you're interested in is actually a good fit
2. See the Home
If the opportunity looks like a potential fit, we'll get you in to see the home.
Walk through it. Ask questions. Picture yourself living there.
You should love the home before you commit to it.
3. Apply & Qualify
If you like the home and want to move forward, we'll send you a formal application.
This is where we verify the information discussed during your initial conversation, including things like:
-Credit
-Income
-Employment
-Financial history
-Bankruptcy history
We'll also look at whether there's a realistic path for you to obtain financing when your lease term is over.
The goal isn't just to get you into a house. The goal is to help you get to the finish line of homeownership.
4. Confirm Your Terms
If everything checks out, we'll confirm the numbers for your specific home. You'll know exactly what you're agreeing to before moving forward, including:
Purchase Price
The agreed price you'll have the opportunity to purchase the home for.
Option Fee
The upfront amount required to secure your option to purchase.
Monthly Payment
Your agreed monthly payment during the lease term.
Lease Term
The amount of time you have to work toward financing and purchasing the home.
We'll answer your questions, review the paperwork, and get everything signed.
5. Move In
Once your paperwork is complete, we'll coordinate the payment process and your move-in.
We'll schedule your move-in date, get you the keys, and help make the transition as smooth as possible.
Now you get to live in the home you're working toward owning.
6. Work Toward Mortgage-Ready
This is where the real work happens.
You won't simply move in and be left on your own.
Throughout your lease term, we'll work with you toward the ultimate goal of obtaining mortgage financing.
Depending on your situation, we can help connect you with:
A Lender
Work toward understanding what you need to qualify for a mortgage and where you currently stand.
Credit Resources
If credit improvement is needed, we can connect you with credit-repair resources.
Rent Reporting
Eligible rent payments may be reported to help establish a stronger credit history.
A Clearer Path Forward
Instead of guessing what you need to do, you'll have a better understanding of the steps between where you are today and getting mortgage-ready.
The goal is simple: make progress while you're living in the home.
7. Buy the Home
When your lender determines you're ready for financing, you'll move forward with the mortgage process.
You'll complete the financing and closing process, and once the purchase closes:
You're officially a homeowner.
That's the goal we were working toward from day one.
Benefits to our System
Flexible Qualification
We make it easy to get started compared to traditional home loans.
Low Upfront Cost
Get started with a small option fee that secures your right to purchase.
Earn Equity While You Live There
As property values rise, that added equity becomes yours when you purchase!
Past or Current Credit Issues? No Problem
Many of our buyers have faced credit challenges. We help you move forward, not look back.
Build up Your Down Payment
A portion of your monthly rent goes toward your purchase helping with closing
Lock-in Purchase Price
Know exactly what you'll pay later no surprises, no bidding wars.
NextGen Homeowners
We're here for the Next Generation of Homeowners!
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(602) 834-5043
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