RENT TO OWN TEXAS HOMES FOR SALE
Yes, our Rent Own any Texas home for sale. Our Texas FHA Mortgage Lenders allow you to select and rent-to-own any Texas home for sale on the MLS. Search and rent any Texas FHA-approved home listed for sale on the Texas MLS. This innovative rent-to-own program is designed for soon-to-be Texas homebuyers who want to lock in a price and rent while improving their credit and finances. This rent-to-own program enables renters to choose any FHA-approved Texas home listed for sale on the MLS and rent it until they qualify to buy. And you can pay it off as soon as you choose, or rent and pay the home off after 40 years. Or you may qualify for our new Texas FHA self-employed profit-and-loss loans that do NOT require tax returns. This program is perfect for borrowers who write off all of their income.
Now Serving Texas & Florida
TEXAS RENT TO OWN PRORGAM HIGHLIGHTS
TEXAS RENT TO OWN CHECKLIST
| 1. CASH | A minimum credit score of 580 qualifies for a 3.5% down payment. Or, 10% down payment is required if your credit score is between 500 and 579. The seller can pay up to 6% of the closing costs. This must be requested in your purchase contract. |
| 2. CREDIT | Minimum 500+ credit score – based on payment history, not credit score driven. |
| 3. CAPACITY | Debt-to-income: Max 45/55 means no more than 45% of income towards housing and 55% for housing + all other minimum payments on your credit report. |
| 4. COLLATERAL | Single-family homes, multi-family 2-4 units, townhomes, villas, FHA-approved condos, manufactured, and modular homes. All homes must be move-ready with minor deferred maintenance.▪ Appraisal must indicate the property condition as C1-C4. Max loan must be within the Texas FHA mortgage loan limits. |
RENT TO OWN TEXAS PROPERTY TYPES:
- Single-family home – Rent To Own
- Townhouse- Rent To Own
- Manufactured home –Rent To Own
- Villa -Rent To Own
RENT TO OWN SOLVES:
Too Much Debt – Keeps your monthly payments manageable.- Recent Bankruptcy – You may qualify sooner than expected.
- Self-Employed? – Income quality with 3 3-month average bank statement deposits.
- ITIN Borrowers – Buy a home with as little as 5-10% down
- U.S. Citizens
- Green Card Holders & Those with a Social Security Number
- DACA & ITIN Borrowers
- Buyers Who Won’t Live in the Home (Non-Occupant Homebuyers)
- $Flexible Income Options – Down Payment as low as 3.5%!
- $Flexible Credit Options – Min 500+ Credit Score!
- $We look at your last 12 months of income, including:
- W-2 Paychecks
- Self-Employed & 1099 Income or 3 months bank statements.
- Rental Income
- Investments & Assets
Texas Rent To Own Process
No Income Texas Mortgage Lenders
The Texas rent-to-own program uses a 40-year amortization schedule for its lease payments. This means with regular monthly payments, the home will be paid off in 40 years. Or the tenant-buyer can make a principal-only payment to pay off the home faster.
- Flexibility to Purchase: While the loan is structured over a longer 40-year period to lower payments, the program is designed for the resident to transition to traditional FHA or other financing (buyout) typically within 1 to 3 years, although the structure supports long-term leasing.
- 40-Year Structure: Lease payments are calculated on a 40-year amortization, helping keep rent-to-own monthly payments affordable while allowing the tenant-buyer to build equity.
- Equity Accumulation: During the lease term, the tenant-buyer could accumulate equity through down payments, a portion of lease payments, and market appreciation.
- Payoff Option: The tenant buyer has the option to buy out the home (pay off the remaining balance) at any time during the lease period.
- No Pre-Payment Penalty: There are no penalties for purchasing the home, refinancing, or selling it.
Texas Renters Need More Options To Buy A Home!
This option to purchase an agreement allows you to acquire permanent housing while improving your credit and financial situation to qualify for an FHA mortgage. We can pre-approve anyone seeking housing for this rent-to-own program. This makes this program a win-win for everyone. Check the Texas FHA rent-to-own loan limits specific to your county. Click “APPLY NOW” in the top right corner to get started!
QUALIFY FOR RENT TO OWN IN ALL OF Texas?
Most Rent-to-own Texas programs share a few common requirements, including:
- Downpayment/Savings: The FHA rent-to-own program requires 3.5% down with a credit score of 580+, and 10% down with a credit score of 500+. The more savings you have, the better your case is to qualify.
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Stable, predictable income: Proof of stable, predictable income to show you can repay.
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Payment History: Many programs accept credit scores as low as 500+, but rely more on your payment history than on your credit score.
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Timely rental history: Showing timely rent can prove the ability to repay. Meeting these basics could help you lock in a Rent-to-own home in Texas.
RENT TO OWN WITH NO TAX RETURNS
Yes, you can rent-to-own any home for sale in Texas that qualifies for FHA with no filed tax returns, no IRS transcripts, no W-2s, no 1099s, no pay stubs, no job, No Income, no bank statements, no income verification, NO Tax Return. Ways to prove your income include:
- Home Loan No Tax Returns =OK 1099 home loan Lenders = OK 3 Months Bank Statement = OK
- Self-Employed Less than 1 year = OK VOE Only home loan = OK Asset Depletion = OK
- No Doc, No W2, No Tax Return = OK Bank Statement Deposits = OK Jumbo No Tax Returns = OK
- ITIN No Tax return home loan = OK Nonresident No Tax Return = OK Pledged Assets = OK
- Asset Depletion or Pledged = OK Business Profit Loss = OK DSCR Rental Income = OK
HOW DO RENT-TO-OWN MORTGAGE LENDERS WORK?
An FHA-approved organization purchases the Texas home of your choice. You move in through a lease-to-own agreement with seller financing. This arrangement gives you time to prepare for full ownership!
When a Homebuyer does not qualify for traditional FHA mortgage financing, the Texas Rent To Own home program offers a new and exciting way for the Homebuyer to ultimately enter homeownership.
Step 1: The Texas mortgage lender submits a fully completed application for the Texas Rent To Own home program review.
• The property address must be identified in the portal if a property has been selected by the Homebuyer(s), the property address may be identified as “TBD”.
• Qualifying documentation must be uploaded to the loan in the portal. Required documentation includes, but is not limited to, income and assets, supporting credit history documentation (housing, alternative tradelines, credit event details, etc.), identification, LOEs, and other supporting documentation.
• Note: A review will not be completed until all qualifying documentation is received and confirmed.
Step 2: Once the Homebuyer(s) have selected a Texas home of their choice, the Homebuyer(s) enter into a purchase agreement with the property seller for the selected property.
• The property must meet the Texas Rent To Own home program eligibility and guideline requirements.
• The “buyer” portion of the contract MUST identify the Homebuyer name(s), in addition to “and/or assigns”.
• The Homebuyer(s) MUST execute the Assignment Addendum to Purchase & Sale Agreement to transfer the contract to the FHA-eligible government entity (the entity purchasing the property on behalf of the Homebuyer(s)).
• Broker to provide the executed contract with all addenda (including Seller’s Disclosure) to the Texas Rent To Own home program.
Step 3: The Homebuyer name(s) will be retained within the portal as the Homebuyer/Tenant, and the borrower on the transaction will be transitioned to the FHA-eligible government entity.
• The FHA investment purchase will be identified within your portal pipeline under borrower “Homebuyer Earned
Equity Agency.
Step 4: The subject Texas home appraisal must be ordered, completed, then reviewed and approved to guideline requirements. All conditions related to the property must be addressed and satisfied.
• Broker to order the appraisal on behalf of the Texas Rent TO Own Homebuyer(s) from an approved Appraisal Management Company. The Homebuyer(s) are responsible for paying for the appraisal.
Step 5: The Homebuyer(s) execute the Homeownership Agreement and remit all funds for closing to the government entity.
Step 6: The purchase transaction is closed at an approved title company.
Step 7: The Homebuyer(s) move into the property and begin their journey toward owning a Texas home!
• The option purchase price reduces with each monthly payment made by the Homebuyer(s).
• All appreciation acquired from the date of closing until the Homebuyer(s) purchase the property belongs to the
Homebuyer(s).
• At any time, the Homebuyer(s) can sell the home, purchase the property from the FHA-eligible government entity, or assume the existing FHA loan on the property. Apply now on the top right of this web.
RENT TO OWN WITH NO TAX RETURNS
Texas Rent-To-Own Owner Financing Program
DOWNPAYMENT – CREDIT – DTI
- Pick out your own rent-to-own home that meets FHA guidelines.
- Primary Residence for Homebuyer(s) – Purchase only
- 580+ credit up to 96.5% LTV = {3.5% Downpayment}
- 500+ credit up to 90% LTV = {10% Downpayment}
- Self-Employed No Tax Returns OK!
- Max Debt To Income (DTI) 60%
- Seller paid closing costs up to 6% OK!
WHERE DO I FIND RENT-TO-OWN Texas HOMES FOR SALE?
Your options are any Texas home for sale by owner or MLS that could qualify for an FHA Mortgage. This means the home must be fully habitable, move-in ready, and insurable. Rent to Own Texas Home Search Options Include:
RENT-TO-OWN ADVANTAGES
- Lock in your purchase price today! Additionally, each month, a portion of the payment reduces the amount owed under the agreement, enabling traditional home ownership. You have the opportunity to build equity as your balance owed decreases, provided you make all payments as agreed. (Of course, there is no guarantee that homes will go up in value; it’s possible the house could go down in value.)
- Build Confidence! By faithfully making monthly payments and covering the other expenses of owning a Texas home, you demonstrate your ability to own a home and improve your likelihood of obtaining traditional financing.
- Assume the loan—Under some circumstances, a customer may be able to “assume” the FHA mortgage obtained by the Texas rent-to-own mortgage lender. This would avoid the need for the customer to obtain a new Texas mortgage and save them thousands of dollars in closing costs.
- Sell For Profit– It’s possible you could sell the home for a profit if the value goes up enough, or if you decide not to purchase the home, there may be other options available, depending on the circumstances:
RENT TO OWN PRE-APPROVAL CHECKLIST
| 1. CASH | A minimum credit score of 580 qualifies for a 3.5% down payment. Or, a 10% down payment is required if your credit score is between 500 and 579. The seller can pay up to 6% of the closing costs. This must be requested in your purchase contract. |
| 2. CREDIT | Minimum 500+ credit score – based on payment history, not credit score driven. |
| 3. CAPACITY | Debt-to-income: Max 45/55 means no more than 45% of income towards housing and 55% for housing + all other minimum payments on your credit report. |
| 4. COLLATERAL | Single-family homes, multi-family 2-4 units, townhomes, villas, FHA-approved condos, manufactured, and modular homes. All homes must be move-ready with minor deferred maintenance.▪ Appraisal must indicate the property condition as C1-C4. Max loan must be within the Texas FHA mortgage loan limits. |
WHO’S ELIGIBLE FOR RENT TO OWN
U.S. Citizens And (NON) and Permanent Residents
WHAT TYPE OF HOME CAN I RENT TO OWN?
You can buy any Texas home listed for sale BY OWN OR MLS that is move-in ready with not much different maintenance. Rehab properties or NOT acceptable. Property types include:
- Single-family –
- Townhouse –
- Manufactured –
- Multi-Family –
- Villa –
- Condo – Search Texas FHA Approved Condos – there are not many
RENT TO OWN Texas FHA LOAN LIMITS
Since your loan will most likely be an FHA mortgage, we need to ensure the purchase price is below the Texas FHA loan limit. Texas FHA Rent To Own Loan Limits Link
3 OPTIONS AFTER YOU MOVE IN:
(1) Work with the Texas FHA mortgage lender to find someone to assume their obligations under the
FHA Rent To Own Agreement;
(2) Sell the home for profit or loss, and the customer receives all sales proceeds remaining after the Homebuyer Agreement is paid in full and sales costs are paid, or
(3) Abandon the property and cancel the agreement, placing the disposition of the home in the hands of the FHA mortgage lender. In this option, no customer-paid costs are refundable.
KEYPOINT) To protect your rights, a memorandum of the agreement is filed with the Texas county records office, assuring the rights under the written agreements are protected as long as the regular monthly payments are made on
time.
RENT TO OWN STRUCTURE:
The basic structure of the Rent To Own FHA Mortgage Program is as follows for approved consumers (“Homebuyers”):
• A governmental Agency (“Agency”) — often an affiliate of a Native American Tribe — purchases a home (“Home”) using the Homebuyers’ purchase and sale agreement with a third-party seller.
• Originator lends funds to the Agency for the purchase of the Texas Home.
• The Agency enters into a ground lease financing agreement with Rent to Own Homebuyers to purchase the home and obtain a leasehold interest in the land (the “Rent To Own Agreement”).
• In addition to making the payments required by the Rent To Own Agreement, Homebuyers must
occupy and maintain the Texas rent-to-own Home.
• The Rent To Own Agreement has an option to purchase the Home (the “Purchase Option”) and otherwise is amortized and fully paid over 40 years, similar to a fully amortizing mortgage.
RENT TO OWN VS RENTING
1. The Rent To Own Agreement is a financing arrangement whereby the Agency will own fee simple title to the Home until the rent-to-home future home buyer exercises the Purchase Option or payment in full.
2. Homebuyers own the Home through a ground lease interest created by the Homeownership Agreement. A fee simple title is transferred to Homebuyers upon exercise of the Purchase Option or payment in full.
3. The Homebuyers will be required to sign a release of personal information so Originator can send that information to the Agency.
4. The Agency may obtain property insurance under a master policy, or the Homebuyers may select the insurance provider. Homebuyers are responsible for insurance costs, which will be part of the monthly payment.
5. The Homebuyers do not receive a Loan Estimate of charges from the Originator. If approved for the Program, Homebuyers will get a summary of the monthly payment obligations and closing charges for the agreement.
6. Homebuyers are restricted from leasing, subletting, or financing the Home, even for temporary uses.
7. Purchase or refinance requires payment of all applicable fees under the Rent-To-Own Agreement.
8. The Texas Homebuyers must have documented housing payment history.
9. Mandatory homeownership education courses may be required.
10. Delayed closing or occupancy may result in the voiding of any Agency commitment.
RENT TO OWN PRE-APPROVAL CHECKLIST
- Full mortgage application. Top right click APPLY NOW.
- Credit report – hard pull
- Borrower’s Authorization *Signed/dated before credit report*
- Letter of Explanation for all credit inquiries within 90 days of the credit report
- Fee Sheet and Settlement Service Provider List *N/A if using Smart Fees*
- Borrower Identification (including Social Security Card, ITIN documentation, Driver’s License, VISA, etc.)
- Housing History documentation (12-month VOR/VOM, payment ledger/canceled checks, or credit
supplement/credit report) - Asset documentation (2 months’ bank statements)
- Gift Letter (signed/dated) and evidence of funds receipt
- Purchase Contract/Escrow Instructions (including Assignment Addendum and Consumer Disclosure)
- BANK STATEMENT ONLY FOR INCOME: months of recent bank statements
- ASSETS AS INCOME- Asset Depletion: 2 months’ recent bank statements. Asset Liquidity: 2 months’ recent bank statements
- FULL DOC- Wage Earner: YTD paystubs (60 days), W2, and WVOE Other: Per FHA requirements
Self-Employed: Prior year tax returns, OR 12-month Third-Party Prepared P&L and 3 months bank statements, OR
K1s and 1120s - DIVIDENDS AND INTEREST FOR INCOME-2 years’ tax returns with all schedules OR 2 years’ account statements with earned income documented
- INDEPENDENT CONTRACTOR/1099 EMPLOYEE – Prior year tax returns, OR 3 months bank statements, OR pay stubs (if applicable)
- INDIVIDUAL TAXPAYER IDENTIFICATION NUMBER (ITIN)- Prior year tax returns required if SSN listed on pay stubs, W-2, etc.
- RENTAL INCOME- Other REO: Lease agreement(s), documented receipt of rental income, and 3 months’ reserves
- DEPARTURE RESIDENCE – borrower owns current primary residence: Documentation to support request for DreamBuilder financing, Letter of Explanation from borrower (signed) regarding existing primary residence
Fully executed lease agreement and proof of rental income receipt, OR copy of purchase contract showing current
residence pending sale
ASSIGNMENT ADDENDUM TO PURCHASE & SALE AGREEMENT
When writing up the contract, you will also need the seller to sign the Assignment of Purchase and Sale Agreement. By signing below, Homebuyer assigns all of its rights and interests in the Homebuyer Earned Equity Agency. Seller consents to such assignment by the Homebuyer by signing the line provided below. This Assignment shall be effective on the date accepted by the Rent ToOwn Lender as noted below. In addition to the assignment, the Homebuyer and Seller agree to the following additional terms: 1) To accommodate timing for document signing and recording, closing may occur within 3 business days of the agreed-upon closing date specified in the Agreement.
2) Any unused Seller-paid closing costs or concessions not used by the designated Homebuyer shall be disbursed by escrow as directed by
an authorized representative of the designated Homebuyer and must comply with HUD requirements for the financing
as determined by the lender. 3) Homebuyer earnest monies on deposit shall be transferred into the name of the rent-to-own mortgage lender and applied to the loan and toward financing costs. 4) The home buyer must utilize financing through the rent-to-own program to purchase The Property, or this assignment is void. This contract is subject to the Homebuyer qualifying for and executing the long-term purchase agreement on this property. If there is a change in the Homebuyer’s circumstances and the Homebuyer no longer qualifies for the long-term purchase agreement or the Homebuyer refuses to execute the final long-term purchase agreement, the purchase contract and assignment addendum are void, and the maximum liability for non-performance is forfeiture of
The earnest money.
RENT TO OWN APPROVAL CONDITIONS- Example
PTD (Before Rent To Own Closing Doc Conditions)
1. Rent To Own (T) – Utility – Provide Utilities and Condominium/PUD Project Questionnaire Contact Information form MUST be completed regardless if it’s in an HOA by the MLO or RE Agent
2. Rent To Own (T) – Identification – Provide SS card.
3. Rent To Own (T) – Home Warranty – Provide a home warranty covering all major systems (Roof, HVAC, Plumbing, electrical, appliances, siding, major fixtures, and flooring) for all properties when the condition is C4 or C5 and/or for homes built before 1978.
4. Rent To Own (T) – EEP – Earned Equity Program complies with FHA guidelines related to property eligibility and the concentration of investment properties with FHA financing within a neighborhood radius. If the Mortgage will be
secured by an Investment Property (HUD considers EEP properties as investment transactions), including Mortgages
For governmental Entities, the Borrower may not have a financial interest, regardless of the ownership or financing type, in more than seven (7) dwelling units within a two-block radius. If the Borrower owns six or more units within a two-block radius, a map must be provided disclosing the locations of the units as evidence of compliance with the FHA’s
seven (7) unit limitation.
5. Rent To Own (T) – Income – Please provide a letter of explanation to explain how the use of business funds will not hinder operations.
6. Rent To Own (T) – Gift Funds – When the applicant is receiving gift funds, they may not be used as reserves. Provide a fully executed gift letter, the donor’s bank statement evidencing sufficient funds to gift, a copy of the check or wire to the applicant’s account or directly to the title.
7. Rent To Own (T) – Credit – Pending SS verification.
8. Rent To Own (T) – Assets – Verified funds are $1XXXXX<XXX. The estimated funds needed to close are $XXK. Provide an additional $EXAMPLEK in available funds.
9. Rent To Own(T) – Credit – Housing History – Please provide a fully completed VOR form.
10. Rent To Own (E) – Purchase Agreement – Provide a fully executed purchase contract and assignment addendum showing the Government Entity as the borrower.
11. Rent To Own (E) – PUD/Condo HOA – Please provide all PUD/CONDO HOA documentation, including CC&Rs, By-laws, and additional documentation required to determine non-owner occupant interpretations and restrictions that may relate to the Rent To Own Program.
12. Rent To Own (E) – Property Inspection – Provide property inspection for all properties when the condition is C4 or C5 and/or for homes built before 1978. May be required on a case-by-case basis when conditions are C3. When a property has a
septic tank, it must be pumped and inspected no more than 60 days before closing.
13. Rent To Own (E) – Title Docs/Tax Cert – Provide PrelimTitle Report, and Closing Protection Letter reflecting Government Entity as proposed insured. Prelim must include all schedules, and updated Tax Cert showing the most recent 12 months’ proposed property taxes and/or the current MIL rate.
14. Rent To Own (E) – Termite/Pest Inspection – For all states that require a Termite/Wood Destroying Insect inspection; If identified by appraiser or inspector; and/or if reflected on the purchase contract and/or seller disclosure. Any/all infestations must be remedied before closing, and completion of work performed must be supported by documentation, including: invoices, description of work performed, and photos.
15. Rent To Own (E) – Credit Soft Pull – Need Credit Soft pull within 10 days of closing on each borrower
16. Appraisal – XML – Appraisal XML file, most recent version, to the . Required to pull SSRs
17. Appraisal – Provide a satisfactory appraisal on form ______ w/copy of the Appraiser’s current license & E&O Insurance, Paid Invoice, AIR Cert, and Proof of Delivery. Must meet applicable program or agency guidelines.
18. DB (E) – Hazard Insurance – Provide evidence of hazard insurance with a deductible no greater than: a). 5% for
wind/hail; b). $5,000 for all other perils. Policy must contain coverage for personal liability, with minimum coverage equivalent to HO3 from an appropriately rated carrier and reflect: A) Homebuyer as primary or named insured; B)
Agency must be listed on the policy as additional insured; C) Mortgagee must be listed accordingly;D) RCE must be provided by the insurance company. For Texas properties, an agent letter can be provided in lieu of RCE attesting the dwelling coverage amount on the policy meets or exceeds the replacement cost estimate.
19. DB (E) – FHA Case Number Assignment – Provide a successful FHA Case Assignment and clear CAIVRS in the
name of the Government Entity. Provide a tax EIN for the case assignment to be ordered.
1st RENT TO OWN RENT PAYMENT
- The first contract/lease payment is due the month after the purchase transaction closes. If a new month begins within seven (7) days of the month of closing, the first contract/lease payment will be collected at closing.
RENT TO OWN MEMORANDUM
THIS MEMORANDUM OF AGREEMENT (“Memorandum”), effective as of DATE GOES HERE, is made by and between the rent-to-own Texas mortgage lender, a Development Corporation, a Section 17 corporation wholly owned by the Rent To Own (“Agency”), whose address is ADDRESS GOES HERE.
The following is a correct statement of information concerning the agreement described below:
- Agency and Rent To Own Texas Homebuyer have entered into a certain Rent To Own Agreement dated as of
- The Agreement creates an ownership interest like a ground lease.
- For the Memorandum, the name of the fee simple title holder in the Agreement is Earned Equity Agency.
- For this Memorandum, the name of the leasehold ownership rights holder in the Agreement is
- The address of the agency and Homebuyer outlined in the Agreement are the same as those for such parties set forth above.
- The Property is described in Exhibit A attached hereto and incorporated herein by reference, as
- well as all of the building or improvements now or hereafter located thereon (the “Property”). The commencement date of the Agreement is April 28, XXXX.
- The Agreement expires on April 30, XXXX.
- The homebuyer has the right to purchase the Texas Property as outlined in the Agreement
- Upon conveyance, the Agreement and this recorded memorandum will terminate if title to the Property is transferred by foreclosure or deed-in-lieu of foreclosure, or if the Mortgage Loan is assigned to the Secretary of HUD or any successor federal government agency.
- Unless otherwise provided herein, all capitalized terms shall have the same meaning as outlined in the Agreement.
- This Memorandum contains only selected provisions of the Agreement. Reference is hereby made to the Agreement for all the terms and conditions, which shall control. This Memorandum does not, in any way, amend or supersede the terms of the Agreement. This Memorandum may be executed in counterparts.
- IN WITNESS WHEREOF, Agency and Homebuyer have hereby executed this Memorandum of Agreement as of the date first written above.
- AGENCY/GROUND LESSOR:
- Rent to Own Texas Earned Equity Agency, a wholly owned section 17 subsidiary of Rent to Own Texas, wholly owned by Rent to Own Texas Development Corporation, a federally chartered section 17 corporation, wholly owned.
RENT TO OWN DISCLOSURES
Texas Mortgage Lenders’ Rent To Own program aims to serve all consumers’ home financing needs, including those in typically underserved markets or who may not qualify for traditional mortgage financing. With this mission in mind, the Texas Mortgage Lenders Rent To Own program may refer certain consumers to the “Rent To Own FHA Program” (the “Program”). The Texas Mortgage Lenders Rent To Own program works with an unaffiliated party to provide the Program as a bridge to homeownership for consumers unlikely to qualify for traditional conforming financing. It is important to understand, however, that the Program is not a mortgage loan offered by the Texas Mortgage Lenders Rent To Own program. The Program is a shared-ownership financing program that bridges the gap between renting and homeownership for those who may not qualify for a traditional mortgage. The basic structure of the Program is as follows for approved consumers (“Homebuyers”):
• A governmental Agency (“Agency”) — often an affiliate of a Tribe — purchases a Texas home (“Home”) using the Homebuyers’ purchase and sale agreement with a third-party seller.
• Texas Mortgage Lenders Rent To Own program lends funds to the Agency for the purchase of the Home.
• The Agency enters into a ground lease financing agreement with Homebuyers to purchase the home and obtain a leasehold interest in the land (the “Rent To Own Agreement”). The Rent To Own Agreement for the Program can be obtained by contacting your loan Texas Mortgage Lenders Rent To Own program.
• In addition to making the payments required by the Rent To Own Agreement, Homebuyers must occupy and maintain the Home.
• The Rent To Own Agreement has the option to purchase the Home (the “Purchase Option”) and otherwise is amortized and fully paid over 40 years, similar to a fully amortizing mortgage. Highlighted Differences with Traditional Mortgage Finance
As stated above, the Rent To Own Agreement is not a traditional mortgage loan. Some, but not all, differences between this Program and a traditional mortgage loan are detailed below. Again, please review the Rent To Own Agreement for additional information before deciding to proceed:
1. The Rent To Own Agreement is a financing arrangement whereby the Agency will own fee simple title to the Home until the exercise of the Purchase Option or payment in full.
2. Homebuyers own the Home through a ground lease interest created by the Rent-To-Own Agreement. A fee simple title is transferred to Homebuyers upon exercise of the Purchase Option or payment in full.
RENT TO OWN QUESTIONS ANSWERED
property transfer? Yes, this is acceptable. The Homebuyer must remit the standard monthly payment per the terms of the agreement via ACH AND mail a separate check for the additional principal payment with clear instructions in the check memo to apply the excess funds as a principal reduction.
then the Homebuyer can sell the property after the assumption is complete.
Q: How do I start the rent-to-own process to see if I qualify? You fill out a full mortgage application and submit all your documents. I will contact you to review your application and submit it for approval. Pre-approval takes about 7 days after receiving all the documents.
Q: Can I buy a fixer-upper with the FHA rent-to-own program? NO, the most must fully habitable, insurable move in move-in-ready condition. ▪ Appraisal must indicate the property condition as C1-C4; C5 considered with exception review.
Q: Should I pay for a home inspection with a rent-to-own home? Yes, A home inspector can find safety issues and maintenance problems that could create serious trouble and expenses down the road. Home Inspections help everyone understand the condition of a property and the risks that should be considered before proceeding with the rent-to-own transaction
Q: Can I rent-to-own with bad credit in Texas? Yes, it’s possible to qualify for rent-to-own options in Texas even with bad credit. While all mortgage lenders and programs have minimum credit score requirements, many rent-to-own programs are looking at the most recent 12 months’ payment history for stability. These Texas rent-to-own lenders provide a pathway to homeownership by allowing buyers to rent the home, build equity, and improve their credit scores while renting.
Q: Does Texas have any additional requirements for the FHA rent-to-own program? • All properties in Texas require a 4-point inspection; any noted unsatisfactory items must be fully repaired before closing. Additionally, a wind mitigation report is required. The 4-point inspection is a focused the the homes HERP = Heating, Electrical, Roof, Plumbing.
Q: Are there additional closing costs with a rent-to-own? Yes, The Homebuyer(s) is responsible for the following DreamBuilder program fees at closing: ▪ $1,250 program underwriting fee ▪ One (1) month complete contract/lease payment to be collected at closing ▪ 1/12th of the annual Program Management Fee ▪ $100 refundable security deposit fee ▪ $250 HOA service fee (if applicable)
Q: As a tenant homebuyer, can I make higher monthly payments to reduce the underlying option price and expedite the Texas home sale? Yes, this is acceptable. The Homebuyer must remit the standard monthly payment per the terms of the agreement via ACH AND mail a separate check for the additional principal payment to the government entity with clear Instructions in the check memo to apply the excess funds as a principal reduction
Q: Can I qualify for rent-to-own with a 500+ credit score?
Yes, approvals are based on payment history and are not credit score-driven. If you can prove ability and illness to repay, and you have the funds needed to close, then you will qualify.
Q: Is the Homebuyer listed on the mortgage security instrument or note?
• No, the rent-to-own Texas Homebuyer is not named on either legal document.
Q: What type of house can I buy when searching for Texas rent-to-own homes for sale?
You can buy a property that would qualify for FHA. This includes single-family homes, townhomes, Villas, and manufactured homes. The home must be livable, habitable, insurable, and move-in ready.
Q: What are the tradeline requirements for the rent-to-own DreamBuilder program?
• An eligible credit report must reflect at least one (1) tradeline and provide at least 12 months of credit history. Alternative tradeline history may be acceptable; refer to the guidelines for details
If the rent-to-own Homebuyer has tax liens, collections, charge-off accounts, and/or judgments, how is the debt treated?
• Generally, tax liens and collection accounts must be included in the qualifying DTI.
• Debt payments for charge-off accounts and judgments are not required to be included in the qualifying DTI.
What tradelines are required for the rent-to-own DreamBuilder program?
• An eligible credit report must reflect at least one (1) tradeline and provide at least 12 months of credit history. Alternative tradeline history may be acceptable; refer to the guidelines for details.
Q: Can the Homebuyer sell the property that is acquired through the rent-to-own program?
• The Homebuyer may coordinate the property sale provided all payments have been timely, the account is in good standing, and the underlying option price is satisfied in full with the property sale. Otherwise, the Homebuyer must meet all FHA guidelines and assume the FHA mortgage from the government entity, and then the Homebuyer can sell the property after the assumption is complete.
Q: Do installment debts with less than 10 payments have to be included in the (DTI) Debt-to-Income Ratio?
• Yes, all debt reflected on the credit report must be included in the DTI.
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LLANO BUCHANAN DAM
LLANO CASTELL
LLANO KINGSLAND
LLANO LLANO
LLANO SUNRISE BEACH VILLAGE
LLANO TOW
LLANO VALLEY SPRING
LOVING MENTONE
LUBBOCK ABERNATHY
LUBBOCK IDALOU
LUBBOCK LUBBOCK
LUBBOCK NEW DEAL
LUBBOCK RANSOM CANYON
LUBBOCK REESE VILLAGE
LUBBOCK SHALLOWATER
LUBBOCK SLATON
LUBBOCK WOLFFORTH
LYNN NEW HOME
LYNN O’DONNELL
LYNN TAHOKA
LYNN WILSON
MADISON MADISONVILLE
MADISON MIDWAY
MADISON NORTH ZULCH
MARION JEFFERSON
MARTIN LENORAH
MARTIN STANTON
MARTIN TARZAN
MASON ART
MASON FREDONIA
MASON MASON
MASON PONTOTOC
MATAGORDA BAY CITY
MATAGORDA MARKHAM
MATAGORDA MATAGORDA
MATAGORDA PALACIOS
MATAGORDA VAN VLECK
MAVERICK EAGLE PASS
MAVERICK QUEMADO
MCCULLOCH BRADY
MCCULLOCH DOOLE
MCCULLOCH LOHN
MCCULLOCH MELVIN
MCCULLOCH PEAR VALLEY
MCCULLOCH ROCHELLE
MCCULLOCH VOCA
MCLENNAN AXTELL
MCLENNAN BELLMEAD
MCLENNAN BEVERLY HILLS
MCLENNAN CHINA SPRINGS
MCLENNAN CRAWFORD
MCLENNAN ELM MOTT
MCLENNAN GHOLSON
MCLENNAN HALLSBURG
MCLENNAN HEWITT
MCLENNAN LACY
MCMULLEN CALLIHAM
MCMULLEN TILDEN
MEDINA CASTROVILLE
MEDINA DEVINE
MEDINA D’HANIS
MEDINA HONDO
MEDINA MICO
MEDINA NATALIA
MENARD FORT MCKAVETT
MENARD MENARD
MIDLAND MIDLAND
MILAM BUCKHOLTS
MILAM BURLINGTON
MILAM CAMERON
MILAM DAVILLA
MILAM GAUSE
MILAM MILANO
MILAM ROCKDALE
MILAM THORNDALE
MILLS GOLDTHWAITE
MILLS MULLIN
MILLS PRIDDY
MILLS STAR
MITCHELL COLORADO CITY
MITCHELL LORAINE
MITCHELL WESBROOK
MONTAGUE BOWIE
MONTAGUE FORESTBURG
MONTAGUE MONTAGUE
MONTAGUE NOCONA
MONTAGUE ST
MONTGOMERY CONROE
MONTGOMERY CUT AND SHOOT
MONTGOMERY MAGNOLIA
MONTGOMERY OAK RIDGE NORTH
MONTGOMERY PORTER
MONTGOMERY SHENANDOAH
MONTGOMERY SPLENDORA
MONTGOMERY THE WOODLANDS
MONTGOMERY WILLIS
MOORE CACTUS
MOORE DUMAS
MOORE MASTERSON
MOORE SUNRAY
MORRIS DAINGERFIELD
MORRIS LONE STAR
MORRIS NAPLES
MORRIS OMAHA
MOTLEY MATADOR
MOTLEY ROARING SPRINGS
NACOGDOCHES APPLEBY
NACOGDOCHES CHIRENO
NACOGDOCHES CUSHING
NACOGDOCHES DOUGLASS
NACOGDOCHES GARRISON
NACOGDOCHES NACOGDOCHES
NAVARRO ANGUS
NAVARRO BARRY
NAVARRO BLOOMING GROVE
NAVARRO CORSICANA
NAVARRO DAWSON
NAVARRO EMHOUSE
NAVARRO EUREKA
NAVARRO FROST
NAVARRO GOODLOW PARK
NAVARRO KERENS
NAVARRO MILDRED
NAVARRO MUSTANG
NAVARRO NAVARRO
NAVARRO OAK VALLEY
NAVARRO POWELL
NAVARRO RETREAT
NAVARRO RICE
NAVARRO RICHLAND
NEWTON BURKEVILLE
NEWTON DEWEYVILLE
NEWTON NEWTON
NOLAN BLACKWELL
NOLAN MARYNEAL
NOLAN NOLAN
NOLAN ROSCOE
NOLAN SWEETWATER
NUECES AGUA DULCE
NUECES CORPUS CHRISTI
NUECES DRISCOLL
NUECES INGLESIDE
NUECES PETRONILA
NUECES PORTLAND
NUECES PORT ARANSAS
NUECES ROBSTOWN
OCHILTREE BOOKER
OCHILTREE PERRYTON
OLDHAM ADRIAN
OLDHAM VEGA
OLDHAM WILDORADO
ORANGE BRIDGE CITY
ORANGE MAURICEVILLE
ORANGE ORANGE
ORANGE ORANGEFIELD
ORANGE ROSE CITY
ORANGE VIDOR
ORANGE WEST ORANGE
PALO PINTO GORDON
PALO PINTO GRAFORD
PALO PINTO MINERAL WELLS
PALO PINTO MINGUS
PALO PINTO PALO PINTO
PALO PINTO SANTO
PALO PINTO STRAWN
PANOLA BECKVILLE
PANOLA BETHANY
PANOLA CARTHAGE
PANOLA CLAYTON
PANOLA DEADWOOD
PANOLA DE BERRY
PANOLA GARY CITY
PANOLA LONG BRANCH
PANOLA MURVAUL
PANOLA TATUM
PARKER ALEDO
PARKER ANNETTA
PARKER AZLE
PARKER BRIAR
PARKER COOL
PARKER HUDSON OAKS
PARKER MILLSAP
PARKER POOLVILLE
PARKER RENO
PARKER SANCTUARY
PARKER SPRINGTOWN
PARKER WEATHERFORD
PARKER WILLOW PARK
PARMER BOVINA
PARMER FARWELL
PARMER FRIONA
PECOS COYANOSA
PECOS FORT STOCKTON
PECOS IMPERIAL
PECOS SHEFFIELD
POLK CORRIGAN
POLK GOODRICH
POLK LIVINGSTON
POLK MOSCOW
POLK ONALASKA
POLK SEVEN OAKS
POTTER AMARILLO
POTTER BISHOP HILLS
PRESIDIO MARFA
PRESIDIO PRESIDIO
PRESIDIO REDFORD
RAINS EAST TAWAKONI
RAINS EMORY
RAINS POINT
RANDALL AMARILLO
RANDALL CANYON
RANDALL HAPPY
RANDALL LAKE TANGLEWOOD
RANDALL PALISADES
RANDALL TIMBERCREEK CANYON
REAGAN BIG LAKE
REAL CAMP WOOD
REAL LEAKEY
REAL RIO FRIO
RED RIVER ANNONA
RED RIVER AVERY
RED RIVER BOGATA
RED RIVER CLARKSVILLE
RED RIVER DETROIT
REEVES BALMORHEA
REEVES LINDSAY
REEVES PECOS
REEVES TOYAH
REFUGIO AUSTWELL
REFUGIO BAYSIDE
REFUGIO REFUGIO
REFUGIO TIVOLI
REFUGIO WOODSBORO
ROCKWALL ROCKWALL
ROBERTS MIAMI
ROBERTSON BREMOND
ROBERTSON CALVERT
ROBERTSON FRANKLIN
ROBERTSON HEARNE
ROCKWALL FATE
ROCKWALL HEATH
ROCKWALL MCLENDON
RUNNELS BALLINGER
RUNNELS MILES
RUNNELS NORTON
RUNNELS ROWENA
RUNNELS WINGATE
RUNNELS WINTERS
RUSK HENDERSON
RUSK LANEVILLE
RUSK MOUNT ENTERPRISE
RUSK NEW LONDON
RUSK OVERTON
RUSK PINEHILL
RUSK TATUM
RUSK TURNERTOWN
SABINE BRONSON
SABINE HEMPHILL
SABINE MILAM
SABINE PINELAND
SAN AUGUSTINE BROADDUS
SAN AUGUSTINE SAN AUGUSTINE
SAN JACINTO COLDSPRING
SAN JACINTO OAKHURST
SAN JACINTO POINTBLANK
SAN JACINTO SHEPHERD
SAN PATRICIO GREGORY
SAN PATRICIO INGLESIDE
SAN PATRICIO ODEM
SAN PATRICIO PORTLAND
SAN PATRICIO SAN PATRICIO
SAN PATRICIO SINTON
SAN PATRICIO TAFT
SAN SABA RICHLAND SPRINGS
SAN SABA SAN SABA
SCHLEICHER ELDORADO
SCURRY FLUVANNA
SCURRY HERMLEIGH
SCURRY SNYDER
SHACKELFORD ALBANY
SHACKELFORD MORAN
SHELBY CENTER
SHELBY HUXLEY
SHELBY JOAQUIN
SHELBY NEUVILLE
SHELBY SHELBYVILLE
SHELBY TENAHA
SHELBY TIMPSON
SHERMAN STRATFORD
SHERMAN TEXHOMA
SMITH ARP
SMITH BULLARD
SMITH LINDALE
SMITH NEW CHAPEL HILL
SMITH NOONDAY
SMITH TROUP
SMITH TYLER
SMITH WHITEHOUSE
SMITH WINONA
SOMERVELL GLEN ROSE
SOMERVELL RAINBOW
STARR ESCOBARES
STARR GARCIASVILLE
STARR LA GRULLA
STARR RIO GRANDE CITY
STARR ROMA
STEPHENS BRECKENRIDGE
STEPHENS CADDO
STERLING STERLING CITY
STONEWALL ASPERMONT
STONEWALL OLD GLORY
SUTTON SONORA
SWISHER KRESS
SWISHER TULIA
TARRANT ARLINGTON
TARRANT BEDFORD
TARRANT BENBROOK
TARRANT BLUE MOUND
TARRANT COLLEYVILLE
TARRANT CROWLEY
TARRANT DALWORTHINGTON GARDENS
TARRANT EAGLE MOUNTAIN
TARRANT EDGECLIFF VILLAGE
TARRANT EULESS
TARRANT EVERMAN
TARRANT FOREST HILL
TARRANT FORT WORTH
TARRANT GRAPEVINE
TARRANT GRAND PRAIRIE
TARRANT HALTOM CITY
TARRANT HURST
TARRANT KELLER
TARRANT KENNEDALE
TARRANT LAKE WORTH
TARRANT LAKESIDE
TARRANT NEWARK
TARRANT NORTH RICHLAND HILLS
TARRANT PANTEGO
TARRANT PECAN ACRES
TARRANT PELICAN BAY
TARRANT RENDON
TARRANT RICHLAND HILLS
TARRANT RIVER OAKS
TARRANT SAGINAW
TARRANT SANSOM PARK
TARRANT SOUTHLAKE
TARRANT WATAUGA
TARRANT WESTOVER HILLS
TARRANT WESTWORTH VILLAGE
TARRANT WHITE SETTLEMENT
TAYLOR ABILENE
TAYLOR BUFFALO GAP
TAYLOR IMPACT
TAYLOR LAWN
TAYLOR MERKEL
TAYLOR OVALO
TAYLOR POTOSI
TAYLOR TRENT
TAYLOR TUSCOLA
TAYLOR TYE
TERRELL DRYDEN
TERRELL SANDERSON
TERRY BROWNFIELD
TERRY MEADOW
TERRY TOKIO
TERRY WELLMAN
THROCKMORTON THROCKMORTON
THROCKMORTON WOODSON
TITUS COOKVILLE
TITUS MOUNT PLEASANT
TITUS TALCO
TITUS WINFIELD
TOM GREEN CARLSBAD
TOM GREEN CHRISTOVAL
TOM GREEN MERETA
TOM GREEN SAN ANGELO
TOM GREEN VANCOURT
TOM GREEN WALL
TRAVIS AUSTIN
TRAVIS DEL VALLEY
TRAVIS GARFIELD
TRAVIS JOLLYVILLE
TRAVIS JONESTOWN
TRAVIS LAGO VISTA
TRAVIS LAKEWAY
TRAVIS MANCHACA
TRAVIS PFLUGERVILLE
TRAVIS ROLLINGWOOD
TRAVIS WEST LAKE HILLS
TRINITY APPLE SPRINGS
TRINITY GLENDALE
TRINITY GROVETON
TRINITY TRINITY
TYLER CHESTER
TYLER COLMESNEIL
TYLER FRED
TYLER SPURGER
TYLER WARREN
TYLER WOODVILLE
UPSHUR BETTIE
UPSHUR BIG SANDY
UPSHUR DIANA
UPSHUR EAST MOUNTAIN
UPSHUR GILMER
UPSHUR ORE CITY
UPSHUR UNION GROVE
UPTON MCCAMEY
UPTON RANKIN
UVALDE SABINAL
UVALDE UTOPIA
UVALDE UVALDE
VAL VERDE COMSTOCK
VAL VERDE DEL RIO
VAL VERDE LANGTRY
VAL VERDE PANDALE
VAN ZANDT BEN WHEELER
VAN ZANDT CANTON
VAN ZANDT EDGEWOOD
VAN ZANDT EDOM
VAN ZANDT FRUITVALE
VAN ZANDT GRAND SALINE
VAN ZANDT VAN
VAN ZANDT WILLS POINT
VICTORIA BLOOMINGTON
VICTORIA INEZ
VICTORIA VICTORIA
WALKER HUNTSVILLE
WALKER NEW WAVERLY
WALLER BROOKSHIRE
WALLER HEMPSTEAD
WALLER KATY
WALLER PATTISON
WALLER PRAIRIE VIEW
WALLER WALLER
WARD BARSTOW
WARD GRANDFALLS
WARD MONAHANS
WARD PYOTE
WARD THORNTONVILLE
WARD WICKETT
WASHINGTON BRENHAM
WASHINGTON BURTON
WASHINGTON CHAPPELL HILL
WASHINGTON INDEPENDENCE
WEBB BOTINES
WEBB BRUNI
WEBB EL CENIZO
WEBB LA PRESA
WEBB LAREDO
WEBB LAREDO RANCHETTES
WEBB LARGA VISTA
WEBB MIRANDO CITY
WEBB OILTON
WEBB RANCHITOS LAS LOMAS
WEBB RANCHOS PENITAS WEST
WEBB RIO BRAVO
WHARTON BOLING
WHARTON EAST BERNARD
WHARTON EL CAMPO
WHARTON LOUISE
WHARTON NEWGULF
WHARTON WHARTON
WHEELER BRISCOE
WHEELER MOBEETIE
WHEELER SHAMROCK
WHEELER WHEELER
WICHITA BURKBURNETT
WICHITA ELECTRA
WICHITA IOWA PARK
WICHITA WICHITA FALLS
WILBARGER FARGO
WILBARGER HARROLD
WILBARGER LOCKETT
WILBARGER OKLAUNION
WILBARGER VERNON
WILLACY LYFORD
WILLACY PORT MANSFIELD
WILLACY RAYMONDVILLE
WILLACY SAN PERLITA
WILLACY SEBASTIAN
WILLIAMSON CEDAR PARK
WILLIAMSON FLORENCE
WILLIAMSON GEORGETOWN
WILLIAMSON GRANGER
WILLIAMSON HUTTO
WILLIAMSON JARRELL
WILLIAMSON LEANDER
WILLIAMSON ROUND ROCK
WILLIAMSON TAYLOR
WILLIAMSON THRALL
WILSON FLORESVILLE
WILSON LA VERNIA
WILSON POTH
WILSON STOCKDALE
WINKLER KERMIT
WINKLER WINK
WISE ALVORD
WISE AURORA
WISE BOYD
WISE BRIAR
WISE BRIDGEPORT
WISE CHICO
WISE DECATUR
WISE FAIRVIEW
WISE NEWARK
WISE PARADISE
WISE RHOME
WISE RUNAWAY BAY
WOOD ALBA
WOOD HAWKINS
WOOD MINEOLA
WOOD QUITMAN
WOOD YANTIS
YOAKUM DENVER CITY
YOAKUM PLAINS
YOUNG GRAHAM
YOUNG JEAN
YOUNG LOVING
YOUNG NEWCASTLE
YOUNG OLNEY
ZAPATA ZAPATA
ZAVALA BATESVILLE
ZAVALA CRYSTAL CITY
ZAVALA LA PRYOR
