Across the country, nearly 75% of households can’t qualify for a mortgage. Rising rates, higher credit thresholds, and stricter lending rules have locked millions of hardworking families out of homeownership.
But what if you could build equity and share in a home’s appreciation—with a down payment as low as 2%—without needing a traditional loan?
That’s exactly what families are doing through Burson Home Advisors’ partners’ Lease to Own home programs in Raleigh, Charlotte, and Greensboro.
These modern programs were designed for people who are financially responsible but not yet mortgage-ready—and they’re proving to be one of the most flexible, financially sound paths to homeownership in North Carolina today.
Why So Many Families Can’t Get a Mortgage
It’s not just about credit anymore. In the past five years, traditional mortgage standards have tightened across the board. Many otherwise-qualified buyers are being sidelined for reasons that have little to do with their ability to pay:
- Self-employed professionals with fluctuating income
- Families paying off old debt or student loans
- Recent relocations without two full years of income history
- Buyers with strong savings but less-than-perfect credit
The result? Families who could easily afford monthly payments are stuck renting homes that build someone else’s wealth. That’s where our Lease to Own Raleigh, Charlotte, and Greensboro home programs come in—because you deserve a way to move forward.
The 2% Down Path to Homeownership
Our partners’ programs make it possible to move into the home you love with as little as 2% down, and start building equity from day one with a Lease to Own Charlotte, Greensboro, or Raleigh home.
Here’s how it works:
- You choose the home. It can be listed for sale on the MLS, for sale by owner, or even new construction within qualifying areas.
- Our partners purchase it for cash. You move in with a Lease to Own agreement tailored to your financial goals.
- You lease with fixed monthly payments that are lower than a mortgage and remain the same year to year for 3–5 years.
- You earn equity from day one and share in the home’s appreciation during your lease period.
- When you’re ready, you can buy the home, transfer your equity, or cash out if your plans change.
This model gives you the flexibility of renting with the financial advantages of ownership—all while your money works for you. Learn more in our guide to avoiding rent-to-own scams.
Why Lease to Own Charlotte Is Different from Rent-to-Own
If you’ve heard horror stories about old rent-to-own models, you’re not alone. Those outdated programs often lacked legal protections and left families vulnerable. The programs we represent are different.
Unlike traditional rent-to-own, our partners’ Lease to Own Raleigh, Charlotte, and Greensboro home programs are:
- Legally structured and recorded at the courthouse
- Overseen and executed by a local licensed real estate attorney
- Transparent, fully documented, and designed to protect you
- Backed by experienced professionals who guide you every step of the way
With Burson Home Advisors, you’re never navigating this process alone. We handle the details, coordinate with our partners, and ensure your path to homeownership is clear, secure, and compliant.
Real Families. Real Flexibility.
Every family’s story is different. Some come to us after selling a home and not finding the right next step. Others are new to North Carolina, eager to plant roots without committing to a mortgage before they’re ready. And many are first-time buyers tired of renting but still working toward long-term goals.
Each one finds the same thing: a way to stop renting and start building. With payments lower than a mortgage and stability for up to five years, our clients have time to breathe, plan, and thrive. Read more success stories in our Lease to Own Homes blog series.
Learn more about our latest press coverage here: Burson Home Advisors in The Raleigh Reporter.
If you’ve been told you can’t qualify for a mortgage—or if you simply want a smarter, more flexible way to build wealth—Burson Home Advisors is here to help. Through our partners’ Lease to Own home programs in Raleigh, Charlotte, and Greensboro, you can:
- Move into a home you love
- Make a down payment as low as 2%
- Earn equity from day one
- Share in your home’s appreciation from day one
You don’t have to wait for the “perfect time.” You don’t have to settle for renting.