Bad credit? No bank? No problem. If you can afford the payment — you can own the home.
You don't have to wait for perfect credit to be in the home you want. Move in under a lease, settle into your community, and exercise your option to purchase when the time is right for you.
One of the biggest fears renters have is a landlord deciding to sell mid-lease. Your lease with HOJ Management is protected for the full term — no sudden notice, no displacement, no scrambling to find somewhere new.
This isn't a place you're just passing through. Settle in, put down roots, and treat it like the home you're working toward. That's the whole point.
Fill out a short form. We respond within 48 hours.
We find a home that fits your budget.
Sign your lease and move in. It's your home.
When you're ready, your option to buy is already in place.
Our qualification is simple — no bank, no guesswork.
Household income is at least 3x the monthly payment
Clean background check
You want to own instead of rent
That's it. Bad credit is okay. We look at income, not your credit score.
No. We qualify based on income. If your household brings in at least 3x the monthly payment and you pass a background check, you're likely a good fit.
A small option deposit plus your first month's payment. Way less than a traditional bank would require.
We won't. Our entire model is built around you becoming the owner. We're not going to sell the home out from under you — your lease is protected for the full term.
We'll work with you. We're not a bank — we're real people who want to see you succeed.
Arizona, Dallas-Fort Worth, and Southern Oklahoma. More markets coming soon.