In today’s economy, it feels like everything is getting more expensive—from groceries to gas to your monthly rent. Inflation has stayed higher than expected, making it harder to predict (or afford) your cost of living month to month. If you’re wondering whether now is the right time to buy a home, you’re not alone.
through mortgage or lease-to-own
The truth? Owning a home can be one of the most financially sound ways to protect yourself against rising costs. And whether you’re a first-time buyer, an experienced homeowner, or a self-employed professional navigating a non-traditional financial path, you have more options than you may think.
Two Proven Paths to Stability: Fixed Mortgages and Modern Lease-to-Own
When people think of housing stability, their minds often go straight to the traditional fixed-rate mortgage. And for good reason—locking in a consistent monthly payment while building equity is a smart long-term strategy.
But here’s something most people don’t realize: modern Lease-to-Own (LTO) programs can offer similar financial benefits, without the upfront costs or immediate loan approval requirements of a mortgage. That means you can protect your housing costs while enjoying the flexibility to buy when the time is right—or not at all.
At Burson Home Advisors, we work with both paths. We guide experienced homeowners and first-time buyers alike through traditional sales and financially sound Lease-to-Own programs designed to build wealth, not waste it.
Why Stability Matters: A Quick Look at Inflation and Housing
One of the biggest advantages of a fixed-rate mortgage—or a Lease-to-Own program with fixed monthly payments—is the ability to stabilize your largest monthly expense: housing.
Renters often see annual increases, with rent rising faster than inflation.
Homeowners with a fixed payment can better plan their finances, knowing their housing costs won’t jump unexpectedly.
Lease-to-Own participants in our programs enjoy fixed payments lower than a mortgage, with wealth-building perks baked in.
Beyond the Mortgage: A New Kind of Lease-to-Own
Let’s be honest—Lease-to-Own has earned a bad reputation over the years. Many people have heard horror stories about handshake agreements, rundown homes, or families who spent tens of thousands on a home only to lose everything because of a loophole or unrecorded contract.
We’ve heard them, too. In fact, we’ve worked with families who experienced those situations firsthand—and helped them turn things around.
So, what makes our programs different?
The Old Model:
- Informal agreements with little legal protection
- Homes sold “as-is,” often needing major repairs
- No transparency on where your money is going
- No equity, no exit plan, no real security
Our Modern Lease-to-Own:
- Backed by licensed real estate professionals and national institutional partners
- Every home is professionally inspected, move-in ready, and covered for major maintenance
- Fixed monthly payments, often lower than a mortgage
- You start building equity or shared appreciation on day one
- Flexible purchase rights: buy, cash out, or transfer your equity if your plans change
We’ve helped over 100 families move into homes using these programs—and we used one ourselves before today’s enhanced options even existed. These aren’t the “rent-to-own” deals of the past. They’re risk-mitigated, wealth-building solutions for modern homebuyers.
FAQs: Is Lease-to-Own Right for You?
1. What’s the down payment?
Depending on the program, you can move in with as little as 2–5% down—far less than a traditional mortgage.
2. What happens if I don’t buy the home?
You’re not locked in. You can cash out your built equity or transfer it to another home in the program.
3. What’s covered in my monthly payment?
In many cases, your fixed monthly payment includes property taxes, insurance, and major maintenance—so you can plan your finances without surprise expenses.
4. Is this available for self-employed buyers or those relocating?
Absolutely. We specialize in helping entrepreneurs, remote professionals, and relocating families use this model as a flexible alternative to traditional lending.
Final Thoughts: Why Now Might Be the Right Time
Whether you’re purchasing through a mortgage or taking the Lease-to-Own path, the benefits are clear: fixed payments provide predictability, and real estate remains one of the best long-term hedges against inflation.
And if a traditional mortgage feels out of reach due to today’s interest rates or life circumstances, you don’t have to sit on the sidelines and keep renting.
Let’s talk about what might work best for you.
- Considering a new home but unsure how to move forward?
- Want to build wealth without locking into a high-rate mortgage?
- Need a flexible option while transitioning to a new area or career?
You don’t have to choose between renting and traditional homebuying. There is a smarter, more stable, and financially savvy way forward.
📞 Schedule a free consultation today at BursonHomeAdvisors.com or call us at 984-363-4379.
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