Build Equity from Day One—Without the Barriers of Traditional Buying
If you’ve been struggling with housing affordability in Raleigh, you’re not alone. A recent Harvard study highlights that fewer than 6% of renters can afford a median-priced home with today’s market conditions. But what if you didn’t have to wait years or drain your savings to become a homeowner?
At Burson Home Advisors, our lease-to-own homes in Raleigh, NC, provide a financially savvy, flexible, and faster path to homeownership. No hefty down payments. No wasted rent. No mortgage roadblocks.
✅ Low Initial Investment—Own your home with just 2% down
✅ Build Equity from Day One—Unlike traditional mortgages, your payments contribute to homeownership from the start
✅ Stable Monthly Payments—No rising rents or fluctuating mortgage rates
✅ Move In and Decide When to Buy—Flexibility to purchase when the timing is right
✅ No Closing Costs, No Mortgage Insurance—Save thousands upfront
📞 Let’s talk about how lease-to-own can work for you—schedule a free consultation today!
The State of Housing Affordability in Raleigh
The challenges facing prospective homeowners are daunting:
- The median monthly payment for a home in Raleigh now exceeds $3,000, including taxes and insurance.
- A median household income of $120,000 is now required to afford a typical home.
- First-time homebuyers struggle to save enough for steep down payments and closing costs—typically 6-7% of the home price.
How Lease-to-Own Works
Our program is designed to remove financial barriers while allowing you to start building home equity immediately.
- Select Your Home – Unlike outdated programs, you’re not limited to pre-selected properties. You choose from homes for sale on the open market—even new builds!
- Experience Our ‘One and Done’ Tour – Once approved, we handpick homes that fit your needs and budget. Your personalized tour ensures a streamlined, efficient home selection process.
- Move in and Build Equity – From day one, your monthly payments contribute toward ownership—without the delays of a traditional mortgage.
- Enjoy Fixed Monthly Payments – Unlike rent or mortgage payments that increase over time, our program ensures your payment remains consistent, offering long-term financial stability.
- Avoid Closing Costs – No Closing Costs to move into a Lease to Own home, and some of our programs allow for No Closing Costs at the time of purchase. Ask us how!
Why Lease-to-Own is a Smarter Path to Homeownership
Our lease-to-own program in Raleigh addresses the key affordability challenges identified in the Harvard study:
1️⃣ Lower Upfront Costs
- No steep down payments or closing costs. In most cases, you pay a low initial 2% down payment, which is refundable and applies toward your purchase price.
- No buyer’s agent commission or mortgage insurance—saving you thousands.
2️⃣ Build Equity Faster
- Traditional mortgages direct early payments toward interest, delaying equity growth for up to 18 years.
- Our program ensures you start building equity immediately, accelerating wealth-building compared to traditional buying.
3️⃣ Fixed, Predictable Monthly Payments
- Say goodbye to annual rent increases or fluctuating mortgage rates.
- Your payment stays the same year after year, providing long-term financial stability.
4️⃣ Transparent Inspections and Repairs
- Every home is thoroughly inspected before move-in, so you’re fully informed about potential repairs and future maintenance needs.
Kelly’s Story: 30 Days to Equity Building
Take Kelly, a first-time homebuyer navigating housing affordability in Raleigh. After saving for years, she felt shut out of traditional homebuying due to high costs. Here’s how we changed her path:
- Day 1: Kelly reached out feeling unsure if homeownership was possible. After a quick phone call, she felt confident in our program.
- Day 2: With our Common Sense Underwriting, she was prequalified for a $300,000 home in just 24 hours.
- Day 4: We curated and toured a selection of homes in Durham, NC. She fell in love with the very first home she toured, joining our One and Done Tour Club.
- Days 5–30: We negotiated a 7% discount off the home’s price, saving Kelly thousands. A transparent inspection process ensured she understood every detail before moving forward.
Exactly one month after our first conversation, Kelly moved in—already building equity and wealth with a home she loves.
Lease-to-Own vs. Traditional Buying: A Financial Advantage
Still wondering how our program compares to buying traditionally? Here’s a breakdown:
Traditional Buying:
- Requires a minimum of 3.5% down PLUS closing costs
- First 18 years of payments mostly go toward interest, not equity
- Closing costs, buyer’s agent commission, and mortgage insurance add thousands in costs
- Monthly mortgage payments increase with market conditions
Lease-to-Own with Burson Home Advisors:
- Requires just 2% down (less than any mortgage program)
- Immediate equity-building from Day One
- No closing costs, no mortgage insurance, no buyer’s agent fees
- Fixed monthly payments—no surprises or rising costs
| Factor | Renting | Lease-to-Own | Traditional Mortgage |
|---|---|---|---|
| Upfront Cost | First & last month’s rent + deposit | 2% down, NO closing costs | 3.5-20% down + closing costs + mortgage insurance |
| Monthly Payment | Rent (increases yearly) | Fixed payments, lower than a mortgage | Mortgage + taxes & insurance adjustment |
| Equity Building | ❌ None | ✅ From day one |
✅ Slowly! Mostly pay interest to bank first |
| Mortgage Required? | ❌ No | ❌ No | ✅ Yes (must qualify) |
| Closing Costs? | ❌ No | ❌ No | ✅ Yes (2-3% of home price) |
The Burson Home Advisors Difference
At Burson Home Advisors, we’re redefining homeownership. Our program isn’t just about securing a home—it’s about ensuring your financial success. Whether you’re a first-time homebuyer, self-employed professional, or relocating homeowner, our lease-to-own model is designed for maximum flexibility and financial advantage.
📞 Let’s turn renting into homeownership—on your terms. Schedule a free consultation today!
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