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Frequently Asked Questions

1. What are the parts of a rent-to-own agreement? (Back to Top)
There are two: 1) a Standard Lease that outlines the monthly rent payment, and other lease terms, and 2) the Purchase Option, which makes it so that you can buy the home at the end of the rent period.
2. Is rent-to-own a new concept? (Back to Top)
Buyers and Sellers have been entering into rent-to-own transactions for decades. However, the recent housing market has opened up more rent-to-own options.
3. What is the difference between rent to own, lease option, lease purchase, rent to buy, owner financing, and land contract? (Back to Top)
Lease option transactions are also known as rent to own, or rent to buy transactions. In these transactions, the renter has the option to buy the home after the rent period is over. The written agreement states the lease term, the purchase price, the down payment, and the rent credit.
Lease purchase transactions are similar to lease options, but these agreements require the renter to purchase the home after the renting period is over.
Owner financing agreements and land contracts have similar payment plans as lease options. However, in these arrangements the buyer gets the deed and the home is in their name as soon as the agreement starts. But, instead of taking a full amount for the home immediately, the owner acts as a lender and takes payments on the home. Then the buyer gets a mortgage from a third party lender when it comes time to pay for the rest of the house.
4. Why are rent-to-own transactions not more common? (Back to Top)
In the past, rent-to-own transactions were often unclear and made inexperienced buyers unable to buy the home after the rental period was over. There has also never been a consistent structure or legal agreement for rent-to-own transactions. At first-access-rent-to-own.com we want to make sure that you are equipped to get a proper contract and you get to stay in your home after the rental period is over.
5. Who are the Sellers on first-access-rent-to-own.com? (Back to Top)
The sellers of rent-to-own homes include homeowners, real estate agents, property managers, and real estate investors. We have many different types of homes, so fill out our form and start searching today!
6. Who are the Buyers on first-access-rent-to-own.com? (Back to Top)
The buyers of first-access-rent-to-own.com are anyone who is interested in rent-to-own property. However, the usual applicant is someone who needs time to improve their financial standing and credit scores over the rental period, and ultimately wants to purchase the home.
7. What type of potential buyers choose the rent-to-own method? (Back to Top)
Potential buyers include the following:
• Families who need help getting their finances in order so they can apply for an affordable loan once the rental period is over.
• Families with bad credit who are not able to get approved for a loan at the present time, but who are willing to work on repairing their credit in time to buy the home once the rental period is up. (Fill out our form and our experts can help you with this!)
• Families who want to try out an area before they move for good.
• Families who do not want to pay rent anymore and make progress towards owning a home.
• Real estate investors
8. What are the benefits of rent-to-own versus other methods of purchasing a home? (Back to Top)
Buyer benefits:

• Opportunity to purchase your own home: You can build your credit and financial stability while working towards owning your home.
• Prepare for home ownership: learn what it means to really own a home before you buy one.
• Turn your rent into an investment: parts of your down payment and rent go towards ultimately purchasing your home.
• Profit from appreciation: your purchase price is fixed in a rent-to-own agreement, so there is an opportunity for you to profit if the housing market goes up and your home is worth more than it was when you signed the contract.
• Credit improvement specialists available: first-access-rent-to-own.com has experts in credit repair that can help you improve your credit in time to buy your home when it comes time. Fill out our form now!
• You have the option to purchase: It is up to you whether you want to buy the home or not after the rental period is over.
• Potential to own despite your credit history: Even if you have bad credit from past issues or present ones, home ownership can be a possibility for you if you are willing to work on your credit. Fill out our form and start the process with one of our credit specialists.
Seller benefits
• Problem Protection: You keep the rent, deposit, and equity if the buyer does not purchase the home at the end of the rental period. 
• Rent Premium: When you offer a purchase option, an additional fee is collected per month to go towards closing costs etc. at the end of the rental term.
• Tax Friendly: There are tax benefits to selling rent-to-own homes, contact one of our specialists to learn more.
• Responsible renter: Your renters have a stake in your home because it will be their home eventually, therefore, they will take better care of it.
• No traditional real estate fees: You are selling the home yourself, so you don’t need to pay an agent any fees.
9. Do I have to buy the house at the end of the lease? (Back to Top)
No. The seller gives you the option, but you do not have to. Be aware, however, you will not get any of the equity invested returned to you if you don’t buy the home.
10. How can I ensure that my credit improves enough to obtain a mortgage by the time my rent-to-own agreement concludes? (Back to Top)
Too often, renters simply hope they will get a raise or be able to get their credit and finances up to where they need to be in time to buy the home. But this is the easiest way to lose your home at the end of the rental period. You don’t have to wonder whether you will get to buy your home. first-access-rent-to-own.com has specialists that are trained to repair your credit score and make sure you can get the right loan to purchase your home. Soft-pull your credit score and get a credit consultation today and let our specialists work with you to ensure you get to keep your home.
11. What is a rent credit? (Back to Top)
Rent credit is a portion of your rent each month that goes towards your eventual closing costs and down payments of you decide to buy the home.
12. Will my down payment & monthly rent credits be returned to me if I do not purchase the home at the end of the lease? (Back to Top)
No, these fees are not refundable. Unfortunately, this is one of the things you must be aware of in a rent-to-own agreement. If you are careful about the home you choose, getting your credit up, and making yourself financially stable, then this will not matter because you will be able to purchase the home when you want to. So be sure you consider all your options and make careful decisions before entering an agreement.
13. Who pays the taxes and any insurance on a rent-to-own agreement? (Back to Top)
During the lease period, the seller is responsible for the mortgage payments, homeowner insurance and property taxes. After the renter buys the home, those responsibilities are transferred to the new home owner.
14. How can I contact the first-access-rent-to-own.com team? (Back to Top)
Visit our Contact Us page. We pride ourselves on a quick and thorough response to all questions or comments!
To get your own rent-to-own specialist, fill out our simple form, soft-pull your credit score, and get started today!

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