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DESIGNED FOR YOU

Not approved for a mortgage? Bad credit? No problem. Buy a house with our program regardless of your credit score. You can begin your path to homeownership and never pay rent agin. It’s that simple.

How It Works

FAQ's

What are the qualifications? 

  • Must have a minimum of 3% to put down on the property
  • No evictions in the last 3 years
  • Credit score above 500
  • Currently paying bills on time (last 3 months)

What if I have a lot of student loan or medical bills?

We feel you shouldn’t be penalized for getting educated or getting sick. We are able to overlook student loan and medical bill debt.

What if I can’t come up with the full 10% down payment? 

Don’t worry! We don’t expect you to have the full 10% down payment by the time you move in. You only need 3% by the time you move in. That’s why we have created our down payment assistance program giving you up to 30 months to get to that 10%, Interest-Free

When can I buy my home from Home Ways?

You will receive the “Contract for Deed” at the end of the 3-year lease-purchase contract. Then you may finance through a traditional bank or go through our in-house financing

HOMEWAYS IS A GREAT FIT FOR YOU IF...

You need some time to get your finances in order

Home Ways only looks at your last 3 months of income, which means if you’re self employed, started a new job, we are a great option. Traditional lenders typically require 12 months or more to fully document your income.

Your credit score isn’t quite where it needs to be...yet

We accept a minimum 500 credit score, which means that even if you’ve hit a few problems along the way, we are an awesome option.

WHAT DO PEOPLE SAY ABOUT HOMEWAYS?