The important thing about Divvy is it provides our agents give their client the: "Path to Homeownership" this is for Credit-Challenged Buyers specifically.

-Divvy is ideal for clients with lower credit scores or limited savings.

-Clients can move into a home now while working toward mortgage eligibility over time.

-Great for clients going through big life changes: divorce, relocation, career shifts.

-Offers stability while they get finances or life situations in order.

Here's how it works:

1. Apply and Get Pre-Approved

- Clients apply online and get pre-approved in 24–48 hours.

- Divvy evaluates income, credit, and financial health—not just credit score.

2. Shop for a Home with Their Agent

- Once approved, clients get a home budget (usually up to $500K).

- They shop for **any home listed for sale** (as long as it fits Divvy’s criteria) with their real estate agent—just like a traditional buyer.

3. Divvy Buys the Home

- When a home is chosen, Divvy buys it in cash

- Clients put down ~1–2% of the home’s value as an initial payment.

4. Move In and Rent While Building Equity

- Clients rent the home from Divvy for 3 years max.

- Each month, part of their rent goes toward saving for a down payment.

- They can buy the home anytime or walk away and keep their equity savings (minus fees).

5. Buy the Home When Ready

- Clients can purchase the home at a pre-set price anytime during the lease.

- If they’re not ready or change their minds, no pressure—they’re not locked in.

It’s basically a rent-to-own model—but modern, transparent, and flexible, designed to help renters become homeowners on their own timeline.