RENT TO OWN

The program is ideal for:

• Buyers with 3.5% down who want rent-to-own flexibility
• Individuals not yet mortgage-qualified
• Clients looking to assume an FHA mortgage later

How to get started:

• Work with a qualified agent to identify eligible homes
• Trio secures wraparound mortgage on your behalf

How does it work:

• Lease with option to buy
• Buyer pays 3.5% down
• Can assume underlying FHA loan once qualified

Info and Credit Score:

• 600+ credit score for W2 buyers, 660+ for self-employed
• Higher interest rate, but spread over 40 years (similar to 30-year in payment)

The program is ideal for:

• Buyers with at least 2% down who want help affording higher-end homes
• Those seeking co-ownership to increase buying power
• Buyers looking for flexibility with upgrades and inspection objections

How to get started:

• Work with a qualified agent to identify eligible homes
• Provide proof of funds and select home
• Coordinate with Jubilee for co-ownership setup

How does it work:

• Buyer purchases home with Jubilee as co-owner
• Lease agreement on land; buyer is on title

Info and Credit Score:

• 720+ credit score required
• Increases purchase power by 20%

The program is ideal for:

• Buyers with lower credit or non-traditional income
• Clients needing flexibility with inspections and property customization
• Those wanting longer-term financing options

How to get started:

• Work with a qualified agent to identify eligible homes
• Choose property anywhere in Colorado
• Pay for own inspection and begin loan process

How does it work:

• Rent-to-own or mortgage available
• 9–10% down with purchase with higher interest rate over 40 years
• 5% down for Rent to Own

Info and Credit Score:

• No specific credit score requirement
• Works best for buyers who plan to qualify within a few years