For families who want to rebuild, the Fresh Start Lease To Purchase (LTP) was designed to remove the largest single roadblock to regaining their dream home!

You are more than just a credit score, and Kris & Kim understand that potential home owners want the stability and peace-of-mind that comes with “owning” a house–even if they do not qualify for a traditional mortgage today. Which is why all LTP customers have the right to purchase their home, anytime in the next 6 years, at a pre-determined, agreed to amount.

Additionally, the ability to customize or improve a house, is what makes it a “home”. With LTP, our customers can make any improvements, upgrades or customizations, with our approval, so that they can enjoy all the perks of home ownership, while they rent under the Lease To Purchase Program.

Through the Fresh Start Lease To Purchase program you can get into your home with a value between a minimum of $150,000 to $2,000,000 maximum. Your previous credit issues are not a roadblock to future homeownership.

Live in your dream home in the neighborhood of your choice today through our Lease To Purchase program, today!

Kris & Kim currently offer this program through the Fresh Start Dedicated Investor in ARIZONA, CALIFORNIA, COLORADO, FLORIDA, GEORGIA, ILLINOIS, MICHIGAN, MINNESOTA, NEVADA, OHIO, OREGON, PENNSYLVANIA, TEXAS, VIRGINIA, WASHINGTON &  WISCONSIN

How LTP Works?

ZERO COST TO APPLY

The Lease To Purchase (LTP) helps you get into your dream home–even if you don’t currently qualify for a traditional mortgage. Find out if you qualify for our unique Lease To Purchase program by submitting a FREE application today!  Start by entering your information, how much debt you currently have, your purchase state and your desired purchase price of the home you want to rent to own in the LTP program.

• YOUR REQUIRED CASH DEPOSIT

  The Lease To Purchase Program requires as little as 5% deposit calculated based on Fresh Start’s purchase price of the home you select (for homes that qualify as “Jumbo” in certain areas, Fresh Start requires the 10% deposit program). This Deposit will be kept in a secure six-year escrow account in your name for the entire time you are in the program, and is due when Escrow is opened on your behalf. This deposit will be returned to you to use as a downpayment when you qualify for a traditional mortgage in the future and complete your purchase agreement with Fresh Start (you have up to 6 years to complete this purchase). In addition to the deposit, our Fresh Start Investor charges a fee to participate in LTP based upon the purchase price of the home.

• LTP FEES

  Our Fresh Start Dedicated Investor charges a Transaction Fee based on the purchase price of the home for completing the LTP home purchase. This fee ensures our Fresh Start Investor will not sell the home to anyone but YOU while you are leasing the home from the Fresh Start dedicated investor. There are NO FEES to apply or to get qualified for LTP. Fees are assessed when the Fresh Start Dedicated Investor makes an offer on your dream home, the offer is accepted by the seller, and you agree to the lease and purchase agreements. The fee is assessed at the opening of escrow and is paid via escrow.

• CANCELLATION FEES

  If you decide, for whatever reason, you do not wish to pursue the financing and purchase of the home from the Fresh Start Dedicated Investor within the initial 6 year period, you may elect to cancel the agreement and receive back your deposit, less a 3% cancellation fee, and any charges for damages or unpaid lease payments on the home. Alternatively, you could elect to sell the home to another buyer, pay-off the agreed to the Fresh Start Investor amount, and retain any profits you may have earned while leasing the home, without incurring any cancellation fees. See Your Future Home Appreciation below for details.

• LEASE FEES

  While you are in the program you are entitled to lease the home from the Fresh Start Dedicated Investor at a pre-determined and agreed to monthly amount. You are responsible for maintenance on the property, but you are also eligible to make customizations to the property, with prior written approval from the Fresh Start Investor. The Lease To purchase Program (LTP) is designed to provide you with stability and many of the benefits of home ownership while you work to secure a standard mortgage.

• CLOSING ESCROW

  When you are ready to secure a traditional mortgage and close escrow at the pre-determined purchase price as set in your schedule, you simply notify the Fresh Start Investor. There are no pre-payment penalties or early closing fees. You may purchase your home from the Fresh Start Investor at anytime up to 6 years from when you signed the purchase and sale agreement. LTP provides you the flexibility to secure your future mortgage on your time schedule.

• YOUR FUTURE HOME APPRECIATION

  While you are living in the home in good standing and have an active purchase agreement in place with the Fresh Start Dedicated Investor, any market price appreciation of your home above the agreed to purchase price, accrues to you. If you are able to sell the home to another buyer at any time for more than you are required to pay the Fresh Start Dedicated Investor on your schedule, the excess profit is yours to keep, or is retained as home appreciation after you obtain a standard mortgage and purchase the home yourself.

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