Buyer Process

How Does A Lease Option Home Agreement Work?

The lease option process is very simple.

Blemished, Bad or NO Credit?

Having problems trying to obtain a mortgage?

We Have Lease Option Homes Available For You!

Using our lease option program is a great way to get into a home right away when bank financing just will not work.

Learn more…

So you are tired of renting, and you want to own a home but your credit, lack of down payment, debt-to-income, debt-to credit or new income is holding you back from qualifying for a normal bank loan… a “lease option” may be a great fit for you.

We specialize in helping residents earn the satisfaction of being a home owner through our Lease Option Program.
Creative Blue-Collar offers great lease option houses… in conjunction with our team of financial experts with include a mortgage broker helping to get your credit up so you can purchase the home in as short of a timeline as possible.

Want to know when the best properties hit the market?

What Are The Types Of Lease Option Houses We Offer?

Our local lease option homes are move-in ready, in good neighborhoods, and often freshly updated. Inquire with us on this site for available properties.

We acquire houses every month from homeowners who need to sell for one reason or another.

The types of houses we tend to offer on our Lease Option Home Program include…

• 2 bedroom – 4+ bedroom homes

• 850 – 3,000+ square feet

• Updated kitchens and bathrooms

• Often times many upgrades

Each lease option house is different, so there is definitely the perfect lease option house out there for you.

Still have questions?

How Does A Lease Option Work Anyway?

A lease option agreement might be right for you!

It is easier than you think – and we can help.

The lease option process is really pretty straightforward.

Step 1: Submit your info on this website to create a FREE account and let us know the type of house you are looking for.

Step 2: We will look at your situation, the type of property you are looking for, and show you what lease option homes are available or put you on our list to keep you updated on new homes added to our inventory.

Step 3: View the homes that fit what you are looking for.

Plus, as we acquire new properties each month, as long as you are on our Lease Option List, you will get email alerts with the latest properties available.

Step 4: After you are approved to rent the property you select, we will agree on a monthly rent amount and the future purchase terms.  Then just sign the documents and move on in!

Step 5: We connect you with a mortgage broker and they work with you to get you prepared to obtain a mortgage approval

Step 6: Move in and pay your rent payments on-time… then before the end of the rental agreement you can decide if you want to purchase the home at the predetermined price or not.


to purchase the home after the rental agreement expires.

However, if you do, we will credit your Option payment towards the purchase price.

How Long Are Lease Option Terms?

Your lease option agreement will spell out the length of time that you have to complete the purchase of the property – typically 2 to 5 years, we may extend your option if you need more time to get your credit or down payment up to the point where you can qualify for a bank loan.

The purchase of your home usually takes place through a traditional mortgage loan, but there are other ways to complete the purchase, depending on your finances.

That is the process!

Once you have completed your mortgage, you are done – now you own your home!