Hello Stephanie, why are you inquiring on lease to own? What are your fico scores or credit issues? Do you have credit issues, BK, short sale, foreclosure or deed in lieu? You may qualify FHA with 2k in unpaid collections and more with a payment factor counted towards your DTI.
You should study RENT vs BUY listings as you may qualify to buy and pay less than rent in GA. How much do you pay in rent and what is the maximum payment you are looking to afford?
If you figure out what cities/zip codes you are considering, minimum number of bedrooms, baths and the maximum payment/price you are looking to achieve you can be emailed listings to fit your search criteria.
Your qualifications will be determined by your credit profile, debt to income ratio, fico scores, loan programs and how much you want to invest into the purchase.
Are you inquiring on financing in GA? If so you may consider 3.5% down FHA from a minimum 580 fico score and 3% down conventional from a minimum 620 fico score. If you have lower scores between 500-579 you may consider 10% down FHA.
Your scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary. Do not disqualify yourself and get pre-approved today. Check out the web reference link below...