There's never been a better time to Rent-To-Own

Ready to start your homeownership journey?

Apply below for rent to own programs

How do I qualify for Divvy?


  • Minimum FICO score of 550*: Even if you’ve hit a few bumps in the road, Divvy could be the right partner for you. Once you’ve moved into your home, we’ll pair you with a free credit counselor to help you get ready for your own mortgage.

  • Minimum monthly household income of $2,500: Adding a co-applicant during the application process may help you reach this minimum. Minimum required income will depend on factors like your current debt levels and home prices in your metro area.

  • Employment history for the last 3 months: Divvy looks for 3 months of steady income, which makes us a great option if you’re self-employed or have recently started a new job.

  • Background check: We run a background check to ensure there are no bankruptcies or evictions in the last 12 months.

  • A valid government-issued photo ID

How do I qualify for Dream America?



+ FICO score of 500


+ Household pre-tax income of $4,000/month (applicant + co-applicant, if any). For self-employment or those who have a combination of self-employment and wages, Dream America uses total income from your tax returns as the starting basis in determining qualified income for the program


+ $8,000 or more available from savings, 401k or gift.  If savings, funds must be available in your bank accounts and average greater than $8,000 over the preceding 2 most recent bank statements in order to be considered.  If 401k or gift, bank balance must also average at least $5,000.  Applicants that don’t provide this documentation will be automatically denied


+ Debt to income ratio including Dream rent below 50%


+ 12-month track record of paying rent on-time


+ U.S. citizen or Permanent Resident Alien

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If you are looking for a awesome, knowledgeable person to work with, Randy Jenkins I highly recommend. His friendliness and result-driven approach is what I love about him.

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Atlanta, Ga

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Conyers, Ga

If you're looking for a great, capable person to work with, I wholeheartedly recommend this guy. He is courteous and goal-oriented, which I love.

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Smyrna, Ga

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