You want to own your own home, but something is keeping you from being qualified for a mortgage… You’ve looked into traditional rent to own programs, but as we like to say, rent to own is for furniture. In response, we created a solution to the problems keeping you from owning your own home: our Bridge to Own ® program. Our quality homes are fully remodeled and this is how you can own one.

Our Process

We sit down with you for a free consult to determine what might be keeping you from getting approved for a mortgage with a licensed lender. We find solutions. We also work closely with grant sources and help many of our clients secure free grants. Our goal is to make you a homeowner of a beautiful, low maintenance home with a 30 year fixed rate mortgage.

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Here's How Bridge to Own® Works

  1. Click on the “Begin Here” button and provide us with basic information or call 423-389-9110.
  2. Meet with us for a free consult so we can understand your unique situation.
  3. Our team, along with our network of licensed lending partners and credit specialists, develops a strategy for getting you approved.
  4. Make the initial lease option fee of $2500 or higher. The entire amount will be applied to the purchase price.
  5. Move in to your home and begin working with our team. Once you are approved with a licensed lender, we’ll help walk you through the mortgage process.
  6. Your licensed lender orders an independent appraisal to ensure the home is worth the sales price.
  7. Close the loan and own the home at anytime within the 6 months.

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Frequently Asked Questions

Yes. Most of our houses are sold without using the Bridge to Own ®. Traditional buyers prefer the quality of our homes and like that they can have input in the remodel.

No. We connect you with licensed mortgage brokers and banks who can provide low interest, fixed rate, 30 year mortgages. You do not have to use one of our suggested lenders.

No. Your lender will conduct an independent appraisal to ensure the market value of the home is equal to or more than the contract price.

We built the business in Bristol, TN and we are now adding franchises in other markets.

No. We start with the systems. On average, our construction company invests over $37,000 on each remodel. Most of that budget is spent on systems you can’t see in pictures.

No. Lenders require at least two years from the bankruptcy/foreclosure. Since the Bridge to Own ® is set up for a six month period, you would need to wait. We recommend you work on establishing positive accounts after bankruptcy so your score will be ready after the two years.

Absolutely, we do this all the time. Once we understand your situation and are confident we can help, we will actively search for a home that fits your needs.  When we find it and begin construction, you will be at the top of our buyers list.  Many of our buyers enjoy picking out their favorite finishes.

We get this one a lot. We buy many of our homes directly from probates and banks. We’ve found there are many buyers who are tired of renting and need a little help to become homeowners. Our business is about matching our fantastic homes with buyers through our unique Bridge to Own ® program. We bring together our professional relationships with credit experts and lenders to solve problems other can’t solve.

The next step is to help us understand your unique situation. Click on the “Begin Here” button to give us initial information. We’ll then set up a meeting with you to get more information and consult with our credit partners on how we can improve your strategy.

This is not a rent to own. It’s our opinion that typical rent to own options set buyers up for failure because they don’t create a path for securing a fixed rate mortgage and the houses aren’t in condition to qualify for a mortgage. We screen heavily to make sure we have a strategy for buyers to secure a fixed, low interest rate mortgage on completely remodeled houses that will pass inspections and appraisals.

No. We don’t offer owner financing. We create a bridge for you to get 30 year fixed, low interest rate mortgages from licensed mortgage lenders. Owner financing is typically short term with high interest rates. We want you to have the most affordable mortgage payments available on the market, so we help connect you with our network of licensed mortgage partners.

While we have a few rental properties and a townhouse building, our focus is on transforming houses into extraordinary homes that people can purchase rather than rent. The vast majority of our houses are under contract before we finish construction.

While we work with agents, we buy, rehab, and sell only our own properties.

We have built a really strong team of contractors, subcontractors, vendors, and partners that add a lot of value to the process.

Our prices are set just below comparable houses sold on the market. National websites that value homes in smaller markets like ours are not accurate, so we have to search for homes in similar condition, location, and size that have sold recently. During the mortgage process, the lender will order an independent appraisal to make sure the home is worth the sales price. It’s not unusual for appraisals to come in $10,000 or more over the sales price on our homes.

We try to set up the process so it’s a smooth transition between Bridge to Own ® and owning. Therefore, we try our best to structure the deal so that you have no out of pocket expenses for closing costs. If, in the rare situations where there are additional costs, the licensed lender discusses that at the beginning of the process so there are no surprises.