For too many families, becoming a first time homebuyer in Charlotte feels out of reach. Rising prices, strict lending requirements, and high down payments have kept hardworking people renting far longer than they ever planned.
But with lease to own Charlotte programs, that struggle is officially over. Imagine moving into a home you love, with a down payment as low as 2–5%, fixed monthly payments lower than a mortgage for up to five years, and no obligation to purchase — all while building equity like a homeowner from day one.
At Burson Home Advisors, we’re helping first-time buyers across Charlotte do exactly that — step confidently into homeownership, on their terms. Learn how the model works in our Lease-to-Own Homes overview.
Why Lease to Own Works for Charlotte Families
Our partners’ lease to own Charlotte programs are built for real life. You don’t need perfect credit or a massive savings account to qualify. These programs are designed for people who can afford monthly payments – lower than a mortgage – but want to ease into ownership safely and securely.
- Choose a home on the open market (MLS, FSBO, or qualifying new construction).
- Make a low down payment (as little as 2–5%).
- Enjoy fixed monthly payments lower than a mortgage for up to five years.
- Build equity from day one through appreciation — while you lease.
- Decide later if you want to buy — or transfer/cash out if plans change.
New to the process? Start with our guide for first-time homebuyers in Charlotte.
Legal Protection You Can Trust
Old rent-to-own models had a bad reputation — and for good reason. Burson Home Advisors’ partners’ programs are different. Every agreement is handled by licensed North Carolina Real Estate Brokers, such as Tamera Nielsen, and a licensed North Carolina Attorney, with documents recorded at the courthouse for full transparency and protection. Avoid pitfalls with our lease-to-own scam checklist.
- Legally structured with attorney oversight and recorded documents
- All major repairs are covered during your lease
- Transparent, fully documented, and designed to protect you
A Smarter Path: Lower Payments, Real Equity, Fewer Costs
With lease to own Charlotte, each payment supports your wealth, not your landlord’s. Even better, when you choose to buy, typical Buyer’s Closing Costs are waived — the only fee due is the loan origination fee if you take out a mortgage. Explore details on our Lease-to-Own page.
Read more about how our programs are expanding access to ownership: Burson Home Advisors featured on KRON4.
The Bottom Line for First-Time Buyers in Charlotte
The path to homeownership doesn’t have to be stressful or delayed. With lease to own Charlotte programs, you can enjoy the freedom of leasing and the benefits of ownership — with legal protection, major repairs covered, and real wealth-building power from day one.
Want specifics on down payments and approvals? Visit our Low Down Payment Homeownership page, then review our Lease-to-Own Homes series for more insights.
Why Charlotte Is the Perfect Place to Start Your Homeownership Journey
Charlotte isn’t just North Carolina’s economic hub—it’s one of the fastest-growing cities for new homeowners nationwide. With strong job opportunities, a thriving business community, and a steady rise in home values, this market gives first-time buyers a powerful head start. Through Burson Home Advisors’ partners’ lease to own Charlotte programs, you can move into a neighborhood you love now and benefit from appreciation as the city continues to grow.
Even if you’re not mortgage-ready today, that doesn’t have to hold you back. These programs bridge the gap, letting you lock in your ideal home at today’s prices while giving you time to strengthen your financial profile. For many first-time homebuyers in Charlotte, this approach has meant getting settled years earlier than expected—without sacrificing security or flexibility.