You need to look for Lease to Buy or lease to option to buy: You make an agreement with the seller: price, down payment, amount rent, amount of rent that will go towards the down payment. at the end of the term (let's say 2 years) you then have the option to buy the house based on the original terms (not new terms).since you were accumulating the down payment in your rental fees, you have more of a down payment. Then you want to go FHA with 5-10% down. Just make sure the contracted sales price or option sales price will meet the appraisal value when you actually go for the mortgage 2 years later. If not, you won't get a loan. A local Realtor can help you with this and I can recommend an expert of buy/lease for you in your area. I always have clients who do buy/lease work immediately with a mortgage broker so they are helping them during the two years with their credit and improving their chances of owning a home.