How to Buy a House Using a Lease Option Patchogue NY

If you're ready to buy the home of your dreams, but your credit or savings isn't quite ready yet, a lease with option to buy (often simply called a "lease option" or, somewhat inaccurately, "rent to own") may help you move in. Lease options, in which you lease (rent) a property and have the option to buy the property at the end of the lease term, can allow you to control a home that you want even if you don't have enough money for a down payment yet. A lease option may also be helpful if you need some time to improve your credit before you can get a good mortgage rate.

Local Companies

Crooker Fire Drill Corp.
(631) 277-7602
P.O. Box 368
IslipTerrace, NY
Celauro Gasper C Rl Est
(631) 289-4444
66 Medford Ave
Patchogue, NY
Coldwell Banker-Bellbrook Realty Inc
(631) 289-4000

Patchogue, NY
Bellbrook Realty Inc
(631) 289-4444
66 Medford Ave
Patchogue, NY
Great South Bay Realty
(631) 289-9111
228 Waverly Ave
Patchogue, NY
Global Office Suites
631-780-7000
1600 Expressway plaza suite 100
hauppauge, NY
ILC Industries Inc.
(631) 567-5600
105 Wilbur Place
Bohemia, NY
Coldwell Banker Bellbrook Realty
(631) 289-1400
66 Medford Ave
Patchogue, NY
New York Real Estate Group
(631) 776-0050
138 Medford Ave
Patchogue, NY
Old Salt Realty
(631) 654-1115
10 S Ocean Ave
Patchogue, NY

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OK. You've spent weeks, maybe months shopping around for a mortgage--filling out forms on the internet, waiting on hold on the phone, dropping off paperwork at the local office--but you've finally found a great interest rate with low upfront costs. Then, right before the closing, you get an unwelcome surprise: the interest rate has gone up, or you'll have to pay thousands more in points. How did that happen? While there's no shortage of unscrupulous lenders who try to pull the old bait-and-switch, there are also legitimate reasons why the terms of a mortgage may change from the time you get your quote to the time you're actually ready to buy. You can avoid the surprises, however, with a rate lock-in, also called a rate lock or rate commitment. Here's how.
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