Rent-to-Own on the Emerald Coast
You’re paying for a home every month. It just isn’t yours.
Rent-to-own homes for people who are ready to own, but were told “not yet.”
Sound familiar?
If any of this is you, keep reading.
Every year the lease renews, and the rent goes up.
You’ve paid your landlord’s mortgage for years, with nothing to show for it.
A bank said “no,” or “come back in two years,” with no plan for how to get there.
A divorce, medical bills, or a slow year dragged your credit down.
You’re self-employed and earn good money, but your tax returns don’t show it.
Every time a landlord sells, your family packs up and starts over.
You’re not irresponsible. You’re stuck between a rental and a bank, and nobody’s built a bridge between the two.
There’s a path between renting and owning. We built it.
Move into the home you want to buy now. Lock in your purchase price today. Use the next couple of years to get ready for the bank, with a plan and someone in your corner the whole way.
Today
Renting
Rent builds someone else’s equity
The Bridge
Rent-to-Own
Live in your future home, price locked, while you get loan-ready
Your Goal
Owning
Your own mortgage, your own home
You’re not waiting for life to line up perfectly. You’re living in your future home while you get there.
How it works
Tell us your story
About 2 minutes. No credit check.
Get a real plan
We look at your income, credit, and savings, and build a plan to get you loan-ready.
Move in
Your purchase price is locked in from day one.
Buy your home
When your plan is complete, you get your own mortgage. The keys are already in your pocket.
What rent-to-own gives you that renting never will
Your deposit works for you
Every dollar of your non-refundable deposit is credited toward your purchase price.
Your price is locked
If home values rise over the next two years, your price doesn’t.
Start with as little as 3%
Build toward 10% over time with tax refunds, bonuses, or gifts from family, on a schedule built around your budget.
Stability for your family
No more wondering if the landlord is selling. The kids stay in the same school.
You’re not doing it alone
A credit improvement program is part of every agreement, so your credit gets stronger the whole time you live there.
Try the neighborhood first
Live there before you commit to a 30-year mortgage.
Rent-to-own has a reputation. Here’s why ours is different.
Some companies advertise “rentals” that turn out to be something else. Some bury fees in the fine print. We do neither.
No bait-and-switch
Every home we offer is advertised as rent-to-own from the start.
No surprises
Your deposit is non-refundable, and we’ll tell you that up front, in writing, before you commit.
No setting you up to fail
If the numbers don’t work for you, we’ll tell you, even if that means you’re not a fit right now.
As a single dad and small business owner, I know life throws curveballs, sometimes several at once. But a hard chapter doesn’t have to define you.
You can recover. You can rebuild. You can take back control, one step at a time.
If a bank told you “no,” your road to owning a home isn’t over. “No” just means “not yet.” And we’re here to help you get across the finish line.
Hayes Mercure
Bean Home Buyers
Is this right for you?
It’s for you if…
- You have steady income
- You have some savings, or a way to build them
- You’re ready to put down roots
Bad credit or a life event doesn’t disqualify you. It’s who we work with most.
It’s not for you if…
- You’re looking for a traditional rental
- You’re not ready to commit to a plan
- You can already qualify for a mortgage today. Buying directly will save you money.
Your next address could finally be yours.
Join the Priority List and see rent-to-own homes before they’re advertised anywhere.
- About 2 minutes
- No credit check to join
- We’ll reach out within 1 business day
Questions, answered
Is my deposit refundable?
No. Your deposit is non-refundable. That’s why we build a realistic plan with you before you commit, so you go in with a clear path to buying.
Why is it called an “option fee” in my contract?
Your deposit is legally called an option fee. It gives you the exclusive right to buy the home at your locked-in price. It’s non-refundable, and every dollar is credited toward your purchase price.
How long is the lease?
Most agreements run about 24 months. That gives you time to strengthen your credit, build your deposit, and get loan-ready.
Do I need good credit?
No. Most of the people we work with are rebuilding credit. Staying enrolled in a credit improvement program is part of every agreement, so you’re making steady progress the whole time.
Can I use gifted money or a tax refund for my deposit?
Yes. Savings, gifts, tax refunds, bonuses, and retirement funds all work, as long as the money doesn’t have to be paid back to anyone. We document where every dollar comes from so your future lender can see it.
Will my deposit count as my down payment with the bank?
It’s credited toward your purchase price. How a lender treats it depends on the loan program and the paperwork, which is why we document every payment and can connect you with lenders who understand rent-to-own.
What happens at the end of the lease?
You apply for a mortgage and buy the home at the agreed price. If you’re not able to buy by the end of the term, your deposit is not refunded, so we’ll check in with you along the way to keep you on track.