The rise of Rent to Own homes has created a litany of programs that help people get their own home. However, not all Rent to Own Home Programs are the same. Some are dubious at best. That is why we have created this site to help people looking for Rent to Own Homes. We sort through the ones with unethical practices, especially in their marketing, and try and find the programs that remain earnest and straightforward in how they market their programs. We also look at the different services provided by each Program. Programs without a substantial way to help restore credit are not properly preparing their clients for mortgage approval.

The H.O.P.E. Program Great Customer Service, Excellent Consumer Ratings

Comprehensive in their approach, the H.O.P.E. Program (Home Ownership is Possible through Education) give their clients hands-on help from the beginning of the Rent to Own Home Buying process through to the end. Starting in 2003, they have over 10,000+ customers who have used them to get a Rent to Own Home. The core of their business is credit repair. For a monthly fee, their legal professionals will work to remove negative items from your credit score and help establish secured lines of credit. Too many programs fail to repair their clients credit, which prevents them from being approved for a mortgage at the end of the lease period. After a clients credit is high enough, they connect their clients with a Loan Officer, as well as a Real Estate agent to write up the Contract. Open 7 days a week, there is always someone to talk to with any questions.

Top Benefits:

• Unlimited disputes with creditors, collection agents and credit bureaus

• Debt settlement for any outstanding debt (including Pay for Deletion negotiations)

• Help establishing new lines of positive credit

• 7 Day-a-week access to representatives waiting to help

• Zero Complaints with the BBB

• Credit Repair offered through Lexington Law is $89 dollars to start, $99 per month

• They also provide their own Credit and Legal services at CreditandLegal.com for those who do not want to pay for Lexington Law. CreditandLegal.com offers a monthly plan of $39 per month.

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FindingRentToOwnHomes.com Great Educational Content, Out-source most services to reputable firms.

FindingRentToOwnHomes.com is a relatively new site with great educational content on the process of getting Rent to Own homes. The sites tips and Fundamentals of Rent to Own Home Buying are great for avoiding the most common pitfalls Rent to Own Home Buyers fall into. They also will provide a free list of qualified Rent to Own Homes in any area. While we prefer programs that control the quality of all their services (Vertically Integrated Programs), the services that are outsourced are from reputable firms. Credit Repair is performed through Lexington Law, the second largest Credit Repair firm with over 500,000 successfully helped clients. The Listing service is not as user friendly as some other options, but the Rent to Own homes are verified before they reach the list. Over-all, this is a good option that is relatively cheaper than other programs.

Top Benefits:

• Great content on the two biggest mistakes Rent to Own Home Buyers make

• Outsourced services are provided through reputable firms

• 7 Day-a-week access to representatives

• Cost for Credit Repair with Lexington Law is $89 to start, and $99 per month after that.

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RenttoOwnHousingPrograms.com Great Local Listings, Limited Services

Another relative newcomer to the market, RenttoOwnHousingPrograms.com provides quality services for the price. While they do not directly control their services (they outsource their services), our trial of this program proved both successful and quick. They do provide listings and credit repair, but they do not go into much detail as to how Rent to Own Homes work. This is extremely important and we have requested more on the ins-and-outs of Rent to Own Home Buying. For Educational info we recommend the above services, and the actual program through this site works well. They do offer a contact form that solicits a pretty fast response, usually within the same day. All in all, this program gives you houses in your area (Local Listings), and provides Credit Repair through a reputable firm.

Top Benefits:

• Credit Repair is offered through Lexington Law, but the importance of Credit Repair is not stressed on their site.

• Representatives are helpful and instructive

• 7 Day-a-week access to representatives

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 RenttoOwnHomesintheUSA.com Easy User Interface, Quality Service

Advertising as a Zero-Down Home Ownership Program, which is not misleading. The truth is Rent to Own Homes are considered by many to be Zero-Down programs. During the Lease period of all Rent to Own Home Contracts, a portion of the rent is put towards your down payment of the house. RenttoOwnHomesintheUSA.com has an easy user interface and provides most of the necessary services required to get your own Rent to Own Home. They provide a local listing service that provides anyone with a free list of Rent to Own Homes in their area. They also refer to Lexington Law, the second largest online credit repair firm in the US which has B+ rating on the Better Business Bureau. While they do not provide their own services, the services they refer customers to are reputable and fairly priced.

• Representatives are helpful and instructive

LocateRentToOwnHomes.com Friendly Service, Reputable Services

LocateRentToOwnHomes.com provides friendly service 7 days a week. Beyond this, the services they provide are from reputable sources. Credit Repair is offered through either Lexington Law or through Legal Shield. Legal Shield gives customers access to attorneys in their area for any legal questions. Through their site, CreditandLegal.com, they combine Legal Shields Legal Access with educational information, friendly service of their representatives, and helpful services such as Rent Reporting (adding Monthly Rent Payments to a customers credit report), Negative item removal from a customers credit report, and help with establishing secured lines of credit. All of this is offered for a low $39 per month fee.

Top Benefits:

• Unlimited disputes with creditors, collection agents and credit bureaus

• User Friendly Interface