Loan Qualification

Turn Renting Into Ownership with Foundation’s Rent or Own Program

At Foundation, we believe that everyone deserves the opportunity to achieve the dream of homeownership. That’s why we created the Rent or Own Program — a unique and supportive path for individuals and families who are currently renting but are ready to take the next step toward owning a home. Whether you’re dealing with credit challenges, uncertain financial standing, or you’re just unsure where to start, we’re here to guide you from day one. Our program is designed to meet you where you are and walk you through every phase of the journey toward becoming a homeowner.

Credit Repair and Custom Financial Planning

One of the biggest hurdles many renters face when transitioning to homeownership is credit and debt. Our team works with you to repair your credit and build a healthier financial profile. We analyze your current credit standing, identify problem areas, and help you implement real, achievable solutions to improve your score. In addition, we create a custom debt management plan tailored specifically to your income and lifestyle, so you can start paying down debt and positioning yourself for mortgage approval. This isn't a one-size-fits-all program — we develop a personalized strategy that aligns with your goals and timeline.

Connecting You to Local Real Estate Professionals

Once you're financially ready, we’ll introduce you to a licensed real estate agent in your area who understands the local market and can help you begin the home search process. Our network of agents are experienced in working with first-time homebuyers and are committed to helping you find the right home at the right price. Throughout the process, we stay involved to make sure everything runs smoothly — from pre-approval to closing. You're not just getting an agent; you're getting a full support team behind you.

Down Payment Assistance and First-Time Buyer Support

For many renters, saving for a down payment is a major obstacle. As part of our program, we help you explore down payment assistance programs that may be available to you, especially if you’re a first-time homebuyer. These programs can significantly reduce your upfront costs and make homeownership more affordable than you may think. Our goal is to eliminate as many barriers as possible so you can confidently transition from renting to owning. With Foundation by your side, you’ll have the tools, knowledge, and support to make one of life’s biggest decisions with clarity and confidence.