Lease with a Right to Purchase Program

Have you found the perfect home but aren't quite ready to qualify for a traditional mortgage? The Lease with a Right to Purchase Program may provide a path toward homeownership while giving you time to strengthen your financial profile.

This program is designed for buyers who can comfortably afford a monthly housing payment but may need additional time to meet mortgage qualification requirements. Rather than putting your homeownership goals on hold, you may be able to move into a home now while working toward purchasing it in the future.

This Program May Be a Good Fit If:

  • You were recently declined for a mortgage due to credit challenges.
  • You have the income to support a mortgage payment but need time to improve your credit profile.
  • You do not currently meet employment history requirements for traditional financing.
  • You recently changed careers, became self-employed, or have limited work history.
  • You are expecting to qualify for a mortgage in the near future but have already found the home you want.
  • You are relocating and want flexibility before committing to a mortgage.
  • You are uncertain about future employment changes and prefer to delay a home purchase.
  • You need additional time to save for a down payment or closing costs.
  • A co-borrower may be needed in the future but cannot currently be added to a mortgage application.

Program Benefits May Include:

  • Move into a home before qualifying for a traditional mortgage.
  • Lock in a future opportunity to purchase the property.
  • Additional time to improve credit, employment history, or savings.
  • Ability to work toward homeownership while enjoying the benefits of living in the home.
  • Personalized guidance from professionals who understand the path from renting to owning.

At HOMEROCK Realty, we understand that life's circumstances don't always fit neatly into traditional lending guidelines. Our goal is to help create solutions that move buyers closer to homeownership while providing a realistic plan for future mortgage qualification.

If you've been told "not yet" by a lender, that doesn't always mean "never." Contact our team today to learn whether the Lease with a Right to Purchase Program may be the right solution for your situation.