The KeyGrow program is a unique rent-to-own initiative designed to help individuals transition from renting to owning their homes. It offers a pathway to homeownership without the need for a large down payment or perfect credit. As a participant, you rent a home while building equity with each payment, and when you're ready, you can purchase the property.

Our flexible ownership options include lease-to-own, shared equity, and other customized solutions. These cater to diverse financial situations, offering personalized support towards achieving homeownership.

The KeyGrow program works in five simple steps:

Locate Your Dream Home: We work with you to find a home that meets your needs and preferences. This process typically takes 1 to 3 months.

Good Faith Deposit: A $500 good faith deposit is required to secure your spot in the program. This deposit is held in escrow by our trusted realtor and is fully refundable if we cannot find a suitable property within the agreed timeframe.

Rent with Purpose: As you rent the home, a portion of your monthly payments goes toward building equity. This means you’re investing in your future ownership from day one.

Build Your Credit: If your credit score is below 680, we help set up a credit builder account in your name to improve your score, positioning you to qualify for a conventional mortgage loan in the future.

Become a Homeowner: When you're ready, you can purchase the home, using the equity you’ve built through your rent payments.

KeyGrow supports community development by organizing workshops, events, and partnerships that foster collaboration and engagement. This approach strengthens neighborhood ties and enhances the overall living experience.

To qualify for the KeyGrow program, you must meet the following requirements:

Credit Score: A minimum credit score of 550 is required to join the program.

Good Faith Deposit: A $500 deposit is required to secure your spot, which is fully refundable if we cannot find a suitable property within the agreed timeframe.

Financial Readiness: You must be able to pay the first and last month’s rent upfront before moving into the property.

Commitment to Homeownership: You should be committed to transitioning from renting to owning your home.

The $500 good faith deposit is held in escrow by our trusted realtor as a demonstration of your commitment to the KeyGrow program. This deposit is fully refundable if we are unable to find a suitable property for you within the agreed timeframe. If you decide to proceed with the program, the deposit will be applied toward your initial costs.

In the KeyGrow program, a portion of your monthly rent payments is allocated towards building equity in the home. This means that instead of paying rent to a landlord with no return, you are effectively investing in your future homeownership. Over time, these equity contributions accumulate, helping you save for a down payment and reducing the overall cost when you’re ready to buy the property.

If your credit score is below 680, don’t worry! The KeyGrow program includes credit-building support to help you improve your credit score. We will set up a credit builder account in your name, which will help you work towards achieving a score of 680 or higher. This improved credit score will enable you to qualify for a conventional mortgage loan in the future, making it easier to buy the property from us when you're ready.

The process of finding a suitable property typically takes between 1 to 3 months. This timeframe allows us to thoroughly search for a home that meets your needs and preferences. We work closely with you throughout this period to ensure we find the best possible match for your future home.

Before moving into a home through the KeyGrow program, you will need to:

- Pay the first and last month’s rent upfront.

- Ensure you have the minimum credit score required (550 or above).

- Submit the $500 good faith deposit to secure your spot in the program.

These steps help ensure that you are financially prepared to enter the program and start building equity toward homeownership.

KeyGrow offers several incentives to encourage responsible tenancy, including:

- Property Maintenance Rewards: You can earn rewards for maintaining the property in good condition and reporting maintenance issues before they become significant problems.

- Timely Rent Payments: Consistent, on-time rent payments may qualify you for additional benefits, such as rent credits applied toward your equity or future down payment.

- Referral Bonuses: If you refer friends or family who join the KeyGrow program, you may be eligible for referral bonuses.

These incentives are designed to support you in your journey to becoming a homeowner while ensuring the property remains a valuable investment.

While the KeyGrow program provides flexibility in choosing a home, the property must meet certain criteria to qualify for the program. We work with you to identify homes that fit your preferences, needs, and budget, while also ensuring the property aligns with the program's guidelines. Our goal is to find a home that is both a good fit for you and a sound investment for your future.

If you decide not to purchase the home at the end of the rental period, you can choose to continue renting or exit the program. The equity built during the rent-to-own period may be refundable or transferable, depending on the specific terms agreed upon in your lease agreement. We recommend discussing all options with our team to ensure the best outcome for your situation.

Getting started with the KeyGrow program is easy! Simply reach out to us through our website, give us a call, or fill out the contact form. We’ll set up a consultation to discuss your needs, explain the program in more detail, and guide you through the next steps. From there, we’ll begin the process of finding the perfect home for you!