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What is the Lease Purchase Program?

Find a home listed for sale that’s right for you. We buy it and lease it to you with the peace of mind of locked-in rent amounts and purchase prices. Live in the home as a renter with the option to buy it at any point. At the end of your 1-year lease term, you can renew for another year or walk away with no penalties. No matter what you decide, we are your partner.
Get Approved
Start your journey home with a quick and free prequalification form and see if the program is right for you! Then, apply with no impact on your credit.​
Find a Home You Love
Search for a home listed for sale. You can work with your agent, or we’ll connect you with one. We show you the rents and purchase prices upfront, so there are no surprises (property qualification criteria apply).
We Buy the Home
We will make a cash offer on an eligible home of your choice. If successful, you sign a 1-year lease and get ready to move in.
Rent and Decide
Enjoy your new home with the peace of mind of 5 years of guaranteed rent (3 years in Texas). You can buy your home at any point. At the end of your lease term, you can renew, or simply walk away with no penalties.

Minimum FICO Score Requirement

Household Minimum FICO Score Requirement of 620: Effective July 11th.

The minimum FICO score requirement in all markets is 620. To learn more about how credit scores are calculated, visit our FAQs. The previous FICO score minimum applies if an applicant submits their paid application before July 10th, 2022 at 11:59 PM CST.

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Type of Property
Are you Pre-Approved for a Mortgage Loan?
A pre-qualification versus a pre-approval are two different things. A pre-qualification means that the mortgage lender has reviewed the financial information you have provided and believes you will qualify for a loan. Pre-approval is the second step in the loan process, which is a conditional commitment to loan you the money for a mortgage.
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All information is deemed reliable, but is not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Michael Ruff | Exp Realty shall be responsible for any typographical errors, misinformation, or misprints. Listing information is provided for consumer personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Listing data comes from Beaches MLS. All information regarding a property for sale, rental, taxes or financing is from sources deemed reliable. No representation is made as to the accuracy thereof, and such information is subject to errors, omission, change of price, rental, commission, proper sale, lease or financing, or withdrawal without notice. All square footage and dimensions are approximate. Exact dimensions can be obtained by retaining the services of a professional architect or engineer.

This material is intended for information purposes only and does not constitute investment advice, a recommendation, or an offer or solicitation to purchase or sell any securities, funds, or strategies to any person in any jurisdiction in which an offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of October 2023 and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. In the U.S., this material is intended for public distribution.
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