Start my path to home ownership

"I share the company information with everyone I know who is looking for a home.  When we met Harriet and Stu we were down on our luck.  Harriet made finding a home possible"

TLDR: Apply Now

Program Basics:  Our program offers renters a way to buy their very own home, even if you do not qualify for bank financing.  Our rents range from about $850-$1,250 per month (depending on size and location of home) and our down payments range from $1,000 to $4,000.  We don't require credit history or a set credit score, but we do require household income of at least 3 times the rent.  If you have a short history at your current job and/or address, we have a "starter program" where you can earn rental history before joining our full program.  You can exercise your purchase option at any time during your lease, which automatically renews for up to 20 years.  If you can qualify for bank financing before then, you can buy us out at any time without penalty.  Click here to apply.

Golden Glow Underwood Ave.

Gray St.  Doane St.Parker CircleElizabeth St.

Here's how to get started:

Step 1 - learn about our program (wait, you just did that if you read the text above!)

Step 2 - ask yourself about Harriet's two "rules of thumb"-

First, can you qualify for bank financing in the next 1-2 years or so?  If yes, you should go that route and buy a home (not from us) - it will cost you less.  If no, keep reading.  More details on bank financing

Second, do you plan on living in this home for at least 5 years?  If yes, our long-term lease program is a great fit.  If no, consider our short-term lease program.  Either way, apply here.

Step 3 - go on over to our currently available homes page, and start your application there.  We usually buy homes that are vacant or in need of repairs, and then we make those repairs before we place homeowner program clients in those homes.  Your home will already be renovated when you move in.

Step 4 - after you complete your application, don't pay the background check fee yet - wait until we let you know that your income and budget are a good fit.  If they are, after you pay the background check fee we will run a background check for all adults who will be in residence.  If you supply us with a credit report & background check that is less than 30 days old you don't have to pay the background check fee.  We care more about your life today than your long-ago life, but we do need to get to know each other!

Step 5 - signing the papers - see our Program page for lots more details.  Basically, in return for an option fee and first month's rent, you can move in!  If you need to build rental or job history, we can start on a rental (only) basis and graduate to our full program in one year or less.  Welcome Home :)

"Our advice is to go through you guys....Everyone says it is a lot of money each month, but it isn’t - it’s your rent, and your taxes.  You have to pay your gas and electric and water.  We were paying $900 a month for rent, and now we pay $1,000 but it’s better in the long run. And now the kids have their own rooms.  It’s the first time I’ve lived in a house since I was 3."


American Capital RE, LLC

Elmira's rent-to-own specialist.

Why rent when you can buy?  Low down payments, monthly rents for a wide range of budgets.

"The process has been smooth and Harriet has been here the whole way."

Our office is at the corner of Hoffman and Water - look for the striped awning
We are open & following COVID-19 protocols, come knock on the side door on Hoffman to enter (please wear a mask)

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