Not Ready for a Mortgage?

We’ve got you covered. With Divvy you can rent your dream home now, while growing your built-in savings for a down payment.

A program designed for you.

5 steps from renting to owning.

Rent-to-own, or lease-to-own, programs give you the opportunity to work towards homeownership while you rent. Here’s how it works with Divvy.

Step 1

Apply for free in 5 minutes

Getting prequalified is free. It’s quick, comes with no commitment, and doesn’t impact your credit score.

Step 2

Find your dream home

You get a home-shopping budget, and you can choose any qualifying home on the market. Work with your own agent, or find one through Divvy.

Step 3

Divvy buys your dream home

We pay for the home in cash and cover all fees, closing costs, taxes, and insurance. You make an initial payment of 1% to 2% of the selling price, which goes straight to savings for your own future down payment.

Step 4

Move in with built-in savings

Move in and make it home. Your monthly payment includes built-in savings that grow into a down payment over time. (Our program is designed for Divvy customers to become mortgage-eligible within 3 years.)

Step 5

Buy your home, or walk away with savings

Buy your home when the time is right. Change of plans? You can also move out early (with a 60-day notice) and keep your Divvy savings (minus a relisting fee).

Lease Option to Purchase