When Traditional Lending Shuts You Out, Homeownership Isn’t Off the Table—You Just Need Another Way In
Nearly 60% of U.S. households can’t qualify for a mortgage. That’s not a reflection of worthiness—it’s a reflection of a rigid system that stifles self-employed buyers, recently relocated families, and anyone who doesn’t fit the “perfect borrower” mold.
But not fitting into a bank’s box doesn’t mean you have to give up on homeownership. And for Julee and Bill, it meant finding the right path.
They had strong credit. Excellent income. A clear vision of where and how they wanted to live. But because they were self-employed, they were told they’d need to wait to qualify—until they discovered Burson Home Advisors and its partner’s Lease to Own Raleigh homes.
From Renting by Choice… to Homeownership by Design
Julee and Bill were no strangers to homeownership. Back in Virginia, they had purchased and fully renovated their previous home. After relocating to North Carolina, they rented while exploring different parts of the Triangle to decide where they truly wanted to plant roots.
They first reached out to us in June 2025, just a few months into a 12-month lease, with plans to buy their forever home in March 2026. There was no rush—just a desire to move into homeownership carefully.
We stayed in touch, checking in and offering guidance until the timing felt right. In November 2025, they gave us the green light. That’s when we rolled up our sleeves and got to work.
Tailored Home Buying Alternatives for Self-Employed Buyers
We explored both our in-house lease to own Raleigh program and our partners’ lease to own Raleigh home programs—giving Julee and Bill the flexibility and comparison they deserved. Within days, they were approved through both channels.
That opened the door to their Red Carpet One & Done Tour™—our curated, low-stress experience designed to streamline the search and make the selection joyful instead of overwhelming.
They had a clear vision: something a bit rural, something not so cookie-cutter, and something that felt like “forever.” And we found it. Fast.
One Home, One Tour—And One Clear Answer
Julee and Bill spotted the listing online and knew instantly: this was it. A rare, beautifully crafted home nestled in a peaceful corner of the Triangle—unlike anything they’d seen before.
We toured it in person, and it only confirmed what they already felt. Yes, we viewed a few backups on a second tour (because we always prepare for anything), but there was no competition. This was home.
With all approvals already in place, we moved swiftly, ensuring their offer was backed by strength, data, and confidence. Within a week, their dream home was under contract.
Why Lease to Own Raleigh Homes Worked for Them
Traditional financing wasn’t an option—not because they lacked income or stability, but because they didn’t check the bank’s boxes. Lease to own gave them what the bank couldn’t:
- The ability to move forward without delay
- Monthly payments lower than a mortgage
- The right—but not the obligation—to purchase the home
- The ability to build equity from day one
- No buyer closing costs if and when they choose to buy
It was more than a workaround. It was the solution they didn’t know existed—but one that aligned with everything they wanted.
From Consultation to Closing—With Care, Not Pressure
Julee and Bill’s journey wasn’t rushed. It was paced with purpose. And it reflects how we serve every family who comes through our door.
We don’t disappear after an inquiry. We stay in touch. We guide, advise, and stay aligned with your goals until the moment is right. When it is, we move with precision and care.
Every transition holds heart—and we hold that heart with care.
Affordable Homeownership in Raleigh Is Still Possible
For families like Julee and Bill—and the countless others we serve each month—rent to own Raleigh homes are more than a stopgap. They are a smart, secure, attorney-backed path to affordable homeownership in Raleigh.
If you’re self-employed, recently relocated, or just feel like the traditional mortgage process has left you out in the cold, you don’t have to stay stuck. You just need a guide who sees you—not just your paperwork.
At Burson Home Advisors, we’re proud to offer home buying alternatives in Raleigh that put your goals—and your peace of mind—first.
As featured in Associated Press, Burson Home Advisors continues expanding flexible homeownership solutions across North Carolina’s Triangle region.