info@hosfinancial.com 

Home Sweet Home: Defying Credit Odds for Your Dream Home!

Owning a home is a dream many cherish, but for some, the looming shadow of a less-than-stellar credit score can make that dream seem distant.  The good news?  It’s not an insurmountable hurdle. This guide will explore three key strategies to unlock homeownership, even if your score has seen better days. 1. Credit Rehab 101: […]

Can I Rent to Own with Bad Credit?

rent to own

The short answer is, yes!  If you’re an aspiring homeowner that lacks the credit and/or capital to qualify for a traditional mortgage, renting to own might just be for you.  While rent-to-own home agreements have been around for some time now, they’ve only now become more popular due, in large part, to the current state […]

The Pros and Cons of Rent-to-Own Homes

As the real estate market continues to be impacted by rising interest rates, inflation, and most of all, the COVID-19 Pandemic, more and more citizens are looking for alternative ways to live.  As a result, would-be homeowners are now seeking out rent-to-own agreements among other pathways in order to stay afloat. The good news is […]

Is There a Catch to Rent-to-Own Homes

rent-to-own

The short answer? NO…not with properly structured programs! Rent-to-Own Homes can be extremely beneficial under the right circumstances and they shouldn’t be viewed as inherently deceptive because, well, they’re not. Today’s Rent to Own programs feature many benefits that outweigh the “perceived” risks of a Rent to Own program. With any type of financing there […]

Is It a Good Idea to do Rent-to-Own?

The question of whether or not it’s a good idea to sign a rent-to-own agreement is the wrong question to be asked. The better question is “is a rent-to-own home right for me?” or “am I the right candidate for a rent-to-own home?”. Here’s why… Rent-to-own homes are subject to several implications and were initially […]

What are the Advantages of Rent-to-Own Homes?

What is a Rent-to-Own Home? Simply put, a rent-to-own home is a contractual lease agreement that allows tenants to presently rent the property at a fixed rate while providing them with the future option to purchase said property by some agreed-upon date.  While a rent-to-home agreement looks a lot like a standard lease agreement, there […]

What is Rent-to-Own?

The real estate market in Canada is on a never-ending trajectory (so it seems) towards the sky, with no end in sight of slowing down. While this is great news for real estate investors and those already invested in the market, it’s made it difficult for tenants and wanna-be home buyers alike.  Because of the […]

Are Rent to Own Loans Available?

Getting a Loan For Rent to Own Homes Do you need $ 25,000 for your down payment? Many of our clients spend years saving for their down payment but they can’t seem to earn fast enough for the down payment since the cost of a home is growing faster than they can save. So, what […]

Rent to Own Agreement

Understanding Your Rent to Own Agreement Not long ago, an article appeared in the Mortgage Broker News addressing the housing market in some major centres. It talked to the challenge Millennials are having to become new homeowners. The main reasons are “rising market prices” and the “inability to save for a down payment”. Our Rent […]