Individuals and couples are denied approval for mortgage loans every day. Many consumers have certain types of credit damage that make it difficult to purchase a home. A number of these consumers that are unable to qualify for a mortgage are what we consider Homeowners in Training or HITs. These high quality turndowns have above median income for their location and have credit problems related to health care, divorce or non-traditional employment that can be improved sufficient to allow them to qualify for a mortgage in a short amount of time (twenty-four to thirty-six months). HITs demand an alternative solution to purchase a home. Home Team USA's Lease-to-Purchase program accelerates home ownership for HITs.

Home Team USA hosts an online marketplace that matches its HIT clients with real estate investors who are in search of quality tenants that will lease with an option to purchase. Land contracts and all-inclusive deeds of trust, also known as "wrap mortgages" may be used with our program. Investors manage their return on investment with premium rental income from a qualified and committed HIT.