Last Updated: 11/7/2016
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Technical financial and real estate jargon can intimidate would-be buyers, but it need not. Two such terms are 'rent to own' and 'getting the deed.' A realtor who works with rent to own homes in Memphis relates, 'A rent to own agreement gives the buyer control of a property, not full ownership, with the 'option' to purchase the property at the end of the contract period.' A vast selection of such rent to own properties can be found at RentToOwn.org.
When researching the term 'getting the deed,' a broker who specializes in owner financing in Indianapolis told me, 'Getting the deed is a transaction involving owner financed homes, where the deed of ownership transfers to the buyer, as well as the existing mortgage payments and terms.'
So, if you've found a rent to own home in Austin, do you take the lease option, or 'get the deed?' There are two optimal situations for getting the deed; sellers with poor credit, or buyers with poor credit. In the first scenario transfer of the deed and mortgage protects the buyer by giving them control of the financial situation. For buyers with a bad credit history (but current sufficient income,) getting the deed eliminates the loan approval process and provides instant financing. Lease options, on the other hand, are common when sellers with significant home equity want to maintain total control of their property and mortgage during the rental period.
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Updated on November 7, 2016