Own A Home Even With Bad Credit
Spitily can help you get on the path to homeownership when you least thought it’s possible.

ABOUT THE PROCESS

Our team dedicates our resources and industry knowledge to find individuals the home that they deserve. Each client is treated individually as we understand that there are many variables that can affect credit and the ability to get a mortgage from the bank.

Apply and get approved

We ask prospective residents to fill out a Pre-Qualification Application so that we can assess the individual’s needs based on the issues that they are facing financially.

Find a home

Our clients will work with a professional realtor to find a home that matches their needs, whether it be away from everyone or by the water.

We buy the home, You lease from us

It’s as simple as that! Clients will sign a lease to the home as well as a Right to Purchase Agreement.

Buy from us

We will sell you the home upon the lease ending, so that you avoid paying rent with no chance of ever owning the home. Your lease payments will go towards your final purchase if you choose to buyout the home.

Spitily can help you get on the path to home ownership
when you least thought it possible.

Did a divorce negatively affect your credit score? Don’t let a divorce hinder your ability to own a home. Let us get you the home you deserve.

Can’t get a mortgage because you’re self-employed? We don’t discriminate against hard-working entrepreneurs.

Getting a mortgage can be tough when you’re an immigrant. We want to help you get into the home of your dreams, regardless of your status.

Getting a mortgage can be tough when you’re an immigrant. We want to help you get into the home of your dreams, regardless of your status.

Why Use Spitily?

We offer fixed monthly payments that will not increase during your rent-to-own term.

We offer affordable upfront costs and we will pay any additional legal costs.

We will approve you even if you have bad credit and help you improve your credit throughout the lease.

We are connected with the best realtors in the area so you find the house you love at a price you can afford

You will know the purchase price upon agreeing to the lease-to-own terms. The price to buyout your home will not increase and any additional value is yours to benefit from.

Our lease-to-own terms are flexible so that you may choose to purchase early at or extend your leasing agreement if needed.

All of our terms are 100% legal and have been reviewed by legal professionals to ensure you that you are working with professionals.

Portions of your monthly payments will go towards your option to purchase the home so that you can pay for your home as you are living in it.

It is your house! No landlord, no property management – renovations and maintenance is totally up to you!

What Our Happy Home Owners Have to Say

actual names and pictures have been withheld for privacy protection

A New Path Towards Home Ownership

Spitily gave me the chance I needed to become a Home Owner. Although I struggled with high debt in the past, I am excited to be going down a new path and working towards home ownership. Sometimes another chance is all you need

Spitily Gave Us The Opportunity

The challenges of becoming a homeowner is that all financial situations need to be perfect. Sometimes those types of things in life aren't always perfect. Spitily has given us an opportunity to live in a home and work toward full ownership. Allowing flexibility and understanding to allow us to own our home

Painless Process

The application process was painless and stress free. Knowing from the start we were getting the support before fully engaging in the Spitily process. Knowing you have people on your side for your families best interest has made a huge difference in our lives.

One Click Away from Your Dream Home