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Let your rent work towards homeownership.

Ready for a home? But not ready for a down payment? Now there's a third option between renting and owning.

Move into the home you want, pay a monthly rent that builds towards a future down payment, and buy the home whenever you are ready -- whether that's in 3 months or 3 years.

Step inside a ZeroDown home
It's like a subscription to homeownership.
How it works
Look for your new home
Go shopping for homes with a ZeroDown partner agent. Have your own agent you want us to work with? No problem, just let us know!
ZeroDown buys a home on your behalf
Once you select a qualifying home, ZeroDown buys it with a cash offer. We cover all related fees and taxes. You'll provide only a 2-3% Starter Payment.
Move in
Move into your dream home. You'll pay a monthly rent. With each rent payment, you'll earn Purchase Credits (think of this as your future down payment savings) for the home.
Buy when you're ready
Over the next 3 years, you can buy the home using the Purchase Credits you've been earning each month. If you decide you don't want the home, you can walk away from the deal when your lease ends.

Find your simple pricing

How does it work?

Rent to own is not a typical mortgage or regular lease. ZeroDown buys the home you want, you move in with no down payment, then you pay a monthly rent (that does not change) until you want to buy the home. Each month, you earn Purchase Credits (think of this as future down payment savings) that you can use to eventually buy the home.
If you're not sure what rent to own is, read our detailed blog here

Looking for a regular mortgage instead? We got you covered with the most competitive rates around.

What's included?

Predictable monthly payments
Keys in as little as 2 weeks
Cash offer on the home of your choice
Option to buy the home with no competing offers
Ability to walk away when your lease ends
24/7 Concierge Service

Not interested in renting? We'll help you find the best mortgage.

Buy a home now
Complete the entire homebuying process online. We'll walk you through every step making sure you get the best home, at the best price, at the best rates. Learn more here.
Get prequalified in under 3 minutes
Got 3 minutes? We can get you prequalified for a home loan in that time. Figure out your buying power now.
Lowest rates
Want low rates? Don't know where to start? We do. We'll do a comprehensive search of the available mortgage rates to find you the lowest one possible.
Today's rate
4.5 %
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