You want your own home but you’ve been told that you can’t because you have bad credit. What you need to know is… Your credit does not determine whether or not you will get a home. It does however determine how long you’ll need live in a rent to own home before you can take over ownership.

So the first step whether you want to or not… Get your free online credit report with scores. Your credit may be horrible, but that’s ok! In this article you soon see that there are simple but proven ways to overcome a bad credit score and still show owners that:

YOU are the best candidate for a home; YOU are the one they should pick for the Rent-to-Own home; And YOU are the one that has the desire and motivation to become a home-owner.

Once you have a copy of your credit report, you are almost ready to start speaking with home-owners and scheduling showings. But, before you begin seeing homes, you need to be ready to ACT on them as soon as you find the perfect one or whenever you see something you like! Remember, there are a lot more people who want Rent-to-Own than there are homes, and if you aren’t prepared you will lose the home quickly.

The Credit Report tells the owner what your current credit situation is. Maybe it’s not great, but then how do you overcome that to let them know that you are dedicated and motivated to becoming a home owner?

You do it by having a Free Official Rent-to-Own Pre-Approval Certificate and a free Application Ready before you go to the showing! By having both the application and the certificate they will allow you to aggressively “sell yourself” without saying a word, and it also let’s owner’s see that you are serious and prepared.

And that’s how a good Free Rent to Own Home program will assist you. They should have some very experienced staff to walk you through and great free online systems designed to do give you every opportunity to be successful. The screening process may be simple or involved but definitely Free. The more involved the screening process the more it allows them to ensure that they are only working with people who are as committed to the getting a home and improving their financial futures as well.

Here’s what Rent to Own Landlords (such as myself who has my own portfolio of rent to own homes) will typically evaluate potential tenant-buyers on:

1. Your ability to afford the property. Typically homes will initially be available for market rental prices and will usually go to 1/2 that amount when you become the 100% owner!

2. Your ability to take care of the property. As much as Rent-to-Own helps you prepare financially, it also helps you get prepared for the others responsibilities and freedoms that come with home ownership!

3. Your need for the property!

If, after reviewing your information, the owner decides they are comfortable with those three categories, they will usually have a great deal of flexibility with your credit.

A good Rent to own program will help you here, because they should have their own homes to offer to you as well as the ability to connect you to other motivated rent to own sellers nation-wide. This helps ensure your success in becoming a homeowner, whether you have previous issues such as late payments, judgments and even bankruptcies.

Don’t let anyone else tell you that you can’t have your own home because your credit is not good enough.