Proud to announce the Rent To Own Program is set to reinstate mid October. Get enrolled to have your application in line for our exclusive homeownership program.
Frequently asked questions
What if I don't have the downpayment?
That is no problem. Enroll in our Credit Prep Program and we will help you get your credit score to 620. This way you will qualify for no Down Payment. The program only costs $50 a month and is fully refunded when you purchase a home through us.
Is Unique By Design Realty, a mortgage company or real estate company?
Does it cost me to get approved or join the program?
The program only costs $50.00 a month and is completely refunded once you purchase a home through us. Including collection account dispute fees.
How does bankruptcy affect my chances for approval?
It depends on if it is a Chp 7 or a Chp 13 bankruptcy.
Can I do the Rent To Own program anywhere?
How does this home ownership program compare to FHA, Conventional, or any other mortagage?
The Rent To Own Program plan differs in a few different ways, but are similiar in some.
What should my credit score be to qualify for the Rent To Own Credit program?
Our company works with credit scores down to 500. We aim to increase clients middle score to 620 & above. This allows client the ability to purchase a home through us with NO Down Payment.
How long does the process take to purchase a home?
The time frame varies if you are currently above a 620 credit score or not. If middle score is above 620? It takes 30 days after you find a home to close. If you need to correct credit issues through our Credit Prep Program?It can take anywhere from 2-6 months on average rom beggining to end, including closing and getting keys.
What if I have collection accounts?
Collections accounts are okay depending on the amount. Use best judgement. If you have $10,000 in collection accounts and have no way of paying them off. We most likely will not be able to get you approved. Most clients have on average $3000-$4000 in collections and are easily approved.