Homeownership while buildingFinancial Literacy

We provide hope, financial education and solutions to aspiring homeowners. Secure a home in 2-4 months and learn how to become a responsible homeowner who’s financially and mentally ready for homeownership.

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Move into a home and call ityour OWN

We’ve helped families achieve homeownership

We understand that life sometimes falls through by the wayside and puts us in a complicated situation for homeownership – that’s why we’re here to help and bring you there.

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What is our rent to own (homeowner in-training) program?

Our rent to own (homeowner in-training) program is a homeownership program where we buy you a home of your choice based on your financial qualification. You get into our program for 2-3 years and in that time, we help you save for a down payment and build your credit score.

Before the program ends, you will have the opportunity to qualify for a mortgage and exercise your option to buy the home. You are given exclusive rights to purchase the home at a predetermined price with your saved premium after the program.

Why homeowner in-training program?

We take pride by the ability of our RTO program to educate and train aspiring homeowners to become full-fledged homeowners who are proud to not only secure a home for their family, but also exercise how to maintain and budget for a home.

Our clients have the freedom to improve the home they are living in, increasing the value of the home when they exercise their option to purchase. These individuals are fully committed and ready to take the next page in their life and become homeowners.

The Benefitsof RTO program

Exclusive rights to property

Save time and remove headaches on bidding wars and negotiation of conditions with sellers. You have exclusive rights to the property when the term ends and exercise your option to purchase.

Save down payment

We work closely with you to save a down payment of 10-20% depending on your financial situation during the program. This is done by contributing to a monthly premium each month that turns into a down payment when you exercise your option to purchase.

Practice being a homeowner

Getting your first home could be daunting if you’ve been renting your whole life. We understand the multiple demands it needs (financially, physically, and emotionally) and the program gives you ample time to prepare yourself before full homeownership.

Fixed rent and no increase

Say no more to increasing rents as well every year. All your monthly payments are fixed and will not change during the term. This way you can put more on saving and handling your monthly budgets!

Pet-friendly

Bring your cute furry friends when you move and make sure to bring their toys and treats too!

Move in right away

Once you are approved in our program and have signed the agreements, you move-in to your new home!

Choose your own home

You have the freedom to choose a home of your choice based on your qualification with our trusted realtors in your area.

Build value of your home

You can slowly build the value of the home if you add any improvements/renovations such as lightings, kitchen/washroom upgrades, backyard renovations, etc.

We understand that life sometimes throws you out of life.Here's how we can help.

What are youwaitingfor?

let's get you a home

Self-Employed

Income is harder as you declare less. That’s okay and we could still help you get a home for your family.

Bruised Credit

May it be bankruptcy, debts, consumer proposal or collections, we’ll give you a game plan to get you approved.

Divorce | Separation

We’ll get your life back in track by helping you get a home in our program. Rebuild a new journey by building credit and down payment.

New Immigrant

Start your new life here with a new home while we help you build your credit history.

Low Down payment

With home prices continue to increase, it’s becoming harder and harder to save for a down payment. Save 10-20% down payment while also locking in a home of your choice.

Commission based

It might be the case your income has always been commission-based. That's okay and it's still possible with us on our program.

How does all of this work?

Application

You fill up or submit a quick 10–15-minute application through our website and we will get back to you after our initial check on your personal and homeownership situation.

Meet and Greet

We meet for a discovery chat to understand your specific needs, answer all your questions, understand our program and educate you on the next steps to move forward on your journey. 

Financial & Credit Check

Our credit specialist will reach out to you to tell you more about your credit and your qualifications for a home. We’ll give you actions steps to follow to make sure you are able to qualify for a mortgage when the program ends.

Home Shopping

The fun part! Our realtors will take you and your family to find the perfect location, neighbourhood, and right size home for your family

Purchasing of home

We purchase the home you picked, and you sign 2 agreements. One is the lease agreement and the other is the option to purchase agreement.

Program term

You practice being a homeowner in your new home! You follow the steps we give to improve your financial qualification for a mortgage, and we’ll work closely with you to make sure you are ready to become a homeowner. Our major goal here is the education and practice of homeownership! We love seeing the transformation here in families. 

Full homeownership

You get exclusive rights to purchase the home. You purchase it and we transfer the title to you! By this time, you’re a full-fledged homeowner who understands and knows what it takes to own, maintain, and budget for a home.

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