With the rent-to-own program, a mortgage assistance program, you choose where you live, you get time to improve your credit, and you get a fixed monthly payment. The home you want is purchased, and you enter into a lease-option agreement for a predetermined price and monthly payment. You have up to two years to get your credit to the place where you can qualify to purchase with a lender of your choice.
Because Zenith Realty, LLC, wants to set up our clients for success, there is a two-step process to qualifying for this program. First, you apply online with our preferred lending partner, Bill Morris, Loan Officer with a local Oregon bank: Umpqua Bank. Click the link below for a confidential, no-obligation application for a home loan. Bill will consult with you and tell you exactly what needs to be done to qualify for a purchase loan. Together, you can put together a plan that you can work and the price of home you will be able to afford. You will need to have $ for "option" funds, as our investors require this.
After consulting with Bill and a plan is put in place, you will fill out an application and provide documentation to the company that purchases the home for you. When you receive approval, then you will be able to shop for a home with Zenith Realty, your Real Estate Partner in this process to restart your life after "the great recession" we've just lived through.
So, click on Bill's business card in the upper right corner of this web page and let's get started!
DON'T BE SCARED when you fall in love! When you find that perfect property, you won't be scared and nervous to sit down with us to write the offer if you are pre-approved for the purchase loan. Knowing how much you've been approved to buy is like having a check for the full amount in your pocket! We can negotiate your offer to the seller and then make plans to move. Click on the business card below to apply now!