
Are you close to being able to buy a home but aren’t quite ready? Did you recently move to Atlanta (or a surrounding city), but not sure where exactly you want to live? Our lease to own homes in Georgia program may be right for you.
With our program, we will provide you with all available lease to own homes in Atlanta and surrounding areas. This will enable you to live in the home of your choice while you prepare to BUY!
► Unable to get a home loan because of lower credit scores, lack of income verification, or insufficient work history.
► Close to being able to buy a home but aren’t quite ready.
► New to Atlanta and not sure where you should live.
► Able to buy a home in a couple of years, but need a little time and have to rent right now.

To learn more about the rent-to-own concept, check out our guide-
Now Available! – Lease To Own Homes in Georgia
There are lots of opportunities for lease to own homes in GA. The ASH MCGINTY Team will assist you in finding the right home that meets your specific criteria.
We’re a client focused real estate brokerage. We provide expertise and access to lease to own aka lease to own homes in Atlanta and surrounding cities.
Some of the cities we service include: Acworth, Alpharetta, Atlanta, Austell, Chamblee, College Park, Conyers, Covington, Dallas, Decatur, Dunwoody, East Point, Fayetteville, Kennesaw, Marietta, Mableton, Norcross, Jonesboro, Roswell, Sandy Springs, Smyrna, Stockbridge, Union City and Vinings.
A home in Georgia is waiting for you!
Lease To Own Homes Program Basics
We partner with various institutional and corporate investors throughout the country to provide a clear and transparent path to homeownership.
If you want to own a home but cannot currently qualify for a mortgage, or if you would prefer to rent a home now with the goal of purchasing it later, then this program may be for you.
You select the home that you want to live in from hundreds of eligible properties currently on the market.
Our clients select a home of their choice, rent it and can purchase it anytime during the first 12 months.
There are two types of contracts in our lease-to-own agreement: the lease and the right to purchase agreement, also called the option agreement.
As with a standard lease agreement, you are only required to sign a lease for a year and make a security deposit. (Your initial lease is for one year, so your financial commitment is limited to the one year. Your lease is renewable.)
The option agreement gives you the right to buy the home at a pre-established price. However, you are not legally required to purchase the home.
In a nutshell:
- Choose your own home to lease to own in Georgia
- No application fee
- No up front costs
- Home price up to $400,000 (based on income)
- Pre-approval in 1 business day, final document review in 3-5 days
- Pre-approvals are good for 1 month
- Closing in 21-60 days
- Portion of rent goes towards down payment
- FREE in-house financial coach
Qualifications:
- 550+ credit score
- Minimal annual household income of $45,000
- Currently paying a minimum $1,250/month rent
- Stable employment
- Equivalent of 2 month’s rent in savings
- No bankruptcies, evictions/late rent payments, or car repossessions in the past year
- Student loans must be in good standing (not in default)
Lease To Own Homes Program FAQs
What is the Lease To Own Homes Program?
Our Lease To Own Homes aka Lease with a Right to Purchase Program allows you to find a home that you want to rent initially, but you also want to buy within the next 12 months. We believe that there are many households who may be thinking about buying a home but for whatever reason may need to or would like to rent at the current time.
How does the Lease To Own Program compare to renting?
Our program allows you to rent a home until you can get a mortgage to buy it. You can move into a home of your own and customize it from Day 1. You won’t have to move again when you transition to homeownership.
Who is eligible for the Lease To Own Program?
- 550+ credit score
- Minimal annual household income of $45,000
- Currently paying a minimum $1,250/month rent
- Stable employment
- Equivalent of 2 month’s rent in savings
- No bankruptcies, evictions/late rent payments, or car repossessions in the past year
- Student loans must be in good standing (not in default)
Are there lease to own homes near me?
Yes, there are currently homes on the market that will work with our lease to own and rent to own programs. With our program, ANY home currently listed on the market that fits the criteria below can qualify as a home you can rent to own.
Generally, this means that the home should be:
- Located in an approved community and is not adjacent to features that may negatively impair value
- Move-in ready, no “fixer-uppers”
- Listed for between $110,000 and $400,000
- A single family home or fee-simple townhome (condos, commercial and multi-family properties are not eligible for this program)
- A traditional home sale (Short sales, auctions, and REOs are not eligible for this program.)
- Free from material deficiencies
- Preferably less than 30 years old, if older must be in good condition
How do I find a home once I’m approved?
You will work with a REALTOR® with the ASH|MCGINTY team to search for a home that meets your purchasing criteria. We will provide you with lease to own homes listings that meet the program criteria.
Is there an application fee?
No, there are no no application fees or up-front costs.
What documents are required?
For traditional employment (hourly, salaried or commissioned), income is verified with the following items:
- Most recent tax return or W2
- 2 recent paystubs
- 2 most recent personal bank statements
For self-employment or contract employment, income is verified with the following items:
- Most recent tax return (1040 or 1099)
- 2 most recent corporate bank account statements and most recent K-1 showing percentage ownership (if applicable)
- 2 most recent personal bank statements
What if I had a bankruptcy or foreclosure?
- If you had a Chapter 7 Bankruptcy, you are eligible if you’ve been discharged at least 1 year ago.
- If you had a Chapter 13 Bankruptcy, you are eligible if it has been at least 1 year since the discharge date.
- If you had a foreclosure, you are eligible if you are at least 2 years from the completion date.
How long is the application process?
The application only takes 2 minutes to complete and it is only 24 hours for application approval.
How long does it take from when I select a home to when I move in?
On average, it takes 30-45 days from the time we find your home. (The same amount of time as a typical home purchase.)
What happens after I move in?
You are the tenant and you have a landlord. However, you can purchase the home at any time during your 12-month lease.
Are the monthly rent payments that I make applied to the purchase price of the home?
Yes! A portion of your rent goes towards Homeownership Credits (rent credits). You will receive rent credits that add up to the down payment you need to buy the house within a year. This was you go straight from paying rent to paying a mortgage without any other expenses.
What fees or closing costs should I expect when I buy the home?
All the fees and closing costs will be covered by your down payment fund (rent credits), so you’ll only be responsible for your monthly mortgage payments!
How do I exercise my Right to Purchase?
You may notify us at any time that the lease is in effect that you would like to exercise your Right to Purchase.
Can I buy a home in the middle of a lease term or do I have to wait until the end of the year?
You can exercise your Right to Purchase at any time during your Lease.
Can I have pets in my home?
Yes! This is your home after all.
For more info on our Lease To Own Program
– Your credit score is above 550? (could also be a co-signers score)?
– You currently pay $1,250/month or more in rent?
– You have at least 2 months rent in savings?
– You have a yearly income of at least $45,000 (before taxes)?
– No evictions, bankruptcy, or bankruptcy discharge within 12 months.
Let’s get started! Please submit your details below:
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