Derek Justin Enterprises, LLC
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Before You Get Started
Our application process is simple, fast, and does not impact your credit score. Before applying, please review the general criteria for approval.
Applicants should have a combined household income of at least three times the monthly rent, unless otherwise required by applicable law.
A TransUnion ResidentScore is used to evaluate credit history. In some cases, results may require an additional deposit, a guarantor, or may lead to a denial.
No foreclosures within the past five years.
No bankruptcy filings within the past two years
No eviction judgments or unlawful detainers within the past two to five years, subject to applicable conditions.
We will verify household income and conduct a credit and background check as needed to review eligibility. Applicants may be asked to provide supporting documentation, including bank statements, tax returns, or other materials required for underwriting verification.
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FAQs
Your Key Questions Answered on Lease-to-Own Homes
What is a lease option home?
A lease-option home allows tenants to lease a property with the option to buy it at the end of the lease term. This setup helps tenants qualify for a mortgage, improve their credit, and confirm the home suits their needs before purchasing.
How do lease-to-own terms compare to regular renting
Lease-to-own payments are generally lower, giving the tenant-buyer more room to save toward purchasing the home in the future. And buy-in credit is applied
Can I still participate in Lease Option Home programs with a lower credit score?
Yes, if selected, our programs are designed to help individuals work towards homeownership by improving credit score
What happens if I decide not to buy the home after the lease term?
You are not required to buy the home. If you choose not to purchase, the lease ends as scheduled. In some cases, an extension may be negotiated if additional time is needed. However, the option fee is non-refundable.
Are there specific qualifications needed to join a Lease Option Home program?
Qualifications may vary, but generally include steady income, a baseline credit score, and a commitment to follow a purchase plan.
What is the option buy-in and how does it work?
The option buy-in (option fee) secures your exclusive right to purchase the home at an agreed price and is credited toward closing costs at the time of purchase.
Lease Options For Flexible Ownership
Providing You More Value with Quality, No Pressure Real Estate Services. We would love to help you on your journey
Office Address:
7564 Chesterfield Rd.
Pensacola, Fl 32506
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