Beyond Financing, Inc.
(857) 410-1391

Lease-to-Own Path to Homeownership: The Earned Equity Program

Many families can afford a monthly housing payment but do not fit traditional mortgage guidelines yet because of credit, self-employment income, a recent job change or limited documentation. Through our Earned Equity Program, which we call Beyond Creative Homeownership Financing, you can choose a home, move in, and start building toward ownership while you prepare for traditional financing.

How it works

  1. Choose your home within your budget and make an offer, like any buyer.
  2. Move in under a homeownership agreement with a program partner that includes an option to purchase the home.
  3. Build toward ownership. Part of each monthly payment works toward owning the home, and you can benefit if the home's value increases.
  4. Take full ownership when you qualify for a traditional mortgage, with Beyond Financing guiding you through the transition.

Who it may help

  • Self-employed borrowers whose income is hard to document
  • Buyers who are rebuilding credit or had a recent financial event
  • Renters and first-time buyers who want their payments to build equity
  • Borrowers with a recent change in employment
  • ITIN and work-permit holders, permanent residents and citizens
  • Buyers who qualify for a traditional loan but prefer this path

Availability

The Earned Equity Program is available through Beyond Financing, Inc. Check with us for state availability. Talk to us in English, Portuguese or Spanish to see if it fits your situation.

Related: ITIN mortgage loans · Bank statement loans · Em português

Important to know

The Earned Equity Program is not a traditional mortgage loan. It is a homeownership agreement provided through program partners not affiliated with Beyond Financing, which refers eligible clients. A program partner holds title until you exercise the purchase option or pay the agreement in full, and if the agreement's terms are not met, the purchase option and payments made may be lost. Home values can go down as well as up. Full terms and disclosures are provided before you sign, and we encourage independent legal and financial advice. Not all applicants will qualify; terms may change without notice.

Frequently asked questions

Does Beyond Financing offer a lease-to-own program?

Yes. Beyond Financing, Inc. (NMLS #2394496) offers access to the Earned Equity Program, a lease-to-own path to homeownership for buyers who do not yet fit traditional mortgage guidelines. Check with Beyond Financing for state availability.

Who is the Earned Equity Program for?

Buyers who can afford a monthly payment but do not yet qualify for a traditional mortgage, such as self-employed borrowers, buyers rebuilding credit, recent job changers and ITIN holders. Buyers who qualify traditionally may also choose it.

Can I get a regular mortgage later?

Yes. The program is designed as a bridge. When you qualify for traditional financing, Beyond Financing helps you move to full ownership.

Talk to a Beyond Financing loan officer: (857) 410-1391 · Apply now · Send us a message · Atendimento em português

Beyond Financing, Inc. | NMLS #2394496 | 999 Broadway, Suite 500-N, Saugus, MA 01906 | (857) 410-1391. Mortgage Broker only in CA, CT and MA; Mortgage Broker and Correspondent Lender in FL, NH, NC, RI, SC and TX. See our Licensing page and NMLS Consumer Access. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property approval, underwriting guidelines and program availability, and terms may change without notice. Not all applicants will qualify. Program availability varies by state.