The minimum age that one can lease a property is 18. There is no maximum age limit. We want to create success for our clients and look at each person on an individual basis.

Our down payment assistance program is for clients already on our Lease To Own Program and in the process of obtaining a mortgage to purchase the property.

Creative Housing Solutions Inc. (CHSI) was initially incorporated in the Province of Alberta on December 13, 2001. CHSI Canada has since incorporated across Canada, as we are offering our creative, unique and much-sought-after programs to all Canadians. Since our incorporation, we have assisted many Canadians in realizing their ultimate dream of home ownership!

Please review our testimonials to see what people are saying about Creative Housing Solutions Canada.

Yes. We are proud to be affiliated with the BBB Accredited Businesses (Better Business Bureau). We joined the BBB in an effort to further support and enhance the credibility of our creative and unique Lease to Own Purchase Program. We encourage you to contact the bureau and confirm our status.

The approval process is quite simple. If you have reliable income with the monthly income to support your payment and you are willing to be honest about your credit history, you may very well qualify. We are not like conventional lending institutions; we believe everyone deserves a second—and sometimes a first—chance! Fill in an application—you may surprise yourself!

Yes. At Creative Housing Solutions Canada we strongly believe that "Everybody Deserves and Has the Right to Own Their Own Home." We have assisted many new Canadians in realizing their dream of owning their own home. Just because you arrive with no credit established does not mean you should be penalized. With the assistance of our Credit Counselling Program™, we do our very best to help you establish a good credit rating with the credit bureaus of Canada.

It really depends on your individual situation. We are not like most financial institutions; we believe in providing everybody with the opportunity to own their own home. All we ask is that you are honest about yourself when you provide us with your credit information. We measure our success on the number of people we are eventually able to assist in qualifying for a conventional mortgage. We look at it this way…if you win, we win; if you fail, we fail.

We will accept any form of certified funds (certified cheque, bank draft or money order) for the initial deposit. If you have equity in a property you are currently selling, we will accept proof of your equity until the property sells. You may have other assets that we would consider on an individual basis. Please speak with a CHSI Canada representative to obtain further information.

Yes. Unlike some financial institutions, we believe you are free to choose where you get your down payment from.

No. Depending on the property and your personal credit situation, we may accept a payment schedule that is stretched over a number of months. Each application is reviewed and approved on an individual basis.

If you have submitted a completed application, it usually takes only 2-4 business days to approve. We require spouses and common-law spouses to complete a separate application, as this will ultimately improve your chances of being approved. If your application is approved and we have received your Initial Option Deposit confirming your commitment to purchase, we then forward an itemized list of what you will need to bring with you when you sign the lease contract. Once you have verified that everything is acceptable to you, we will arrange a time for you to come into our office and sign the Lease Option agreement. It really is that simple!

When your lease term expires, you have a number of options to choose from. Please refer to the Program Details for more information.

To qualify for conventional financing, you must meet the lending institutions' qualifications. These qualifications can vary depending on the institute you are dealing with. CHSI Canada can help you to achieve this ultimate goal with our Credit Counselling Program™ and Down Payment Assistance Program™. We will provide you with a personalized plan in order to assist you in achieving your ultimate dream of home ownership!

You can move into the property as soon as the Lease to Own contract has been signed and you have provided us with the required Lease Option Deposit.

If purchasing a property through our You Find It, We Buy It Purchase Program™ or our Purchase Commitment Program™, you may take possession as soon as CHSI Canada gains legal possession of the property.

No, the purchase price is not negotiable; however, the terms and conditions of the published monthly payments are somewhat negotiable. It depends on how much down payment you have to work with. We review and approve each application on an individual basis.

You do. You will be the direct beneficiary of any improvements you make, as they will increase the value of your investment. As you benefit from improvements you make, so are you also responsible for your home's maintenance. Please remember that all homes require periodic maintenance, so this should be budgeted for when considering the monthly payments.

Yes. You can have as many pets as you wish. Remember, you are not just renting, you have an ownership stake in the property.

You do not have to live in the property and may place a tenant into a property if you wish. Please note: you will still be fully responsible under the terms and conditions of the lease contract that you sign with us. You will also be responsible for all maintenance, repairs and damages that may occur.

All our payment plans are all inclusive: structural (building) insurance, property taxes and condo fees (if applicable) are included. This service is provided by CHSI Canada to ensure all payments are made in a timely manner.

If you wish to move during the term of the agreement you have several options:

Rent the property to a tenant or a relative. Keep in mind, you are still legally responsible under the terms and conditions of the Lease to Own contract that you signed.

You may want to consider our Home Trade Buy Back Program™. This program provides you with the opportunity to sell the home back to CHSI Canada at full market value without the hassles of listing your home with a realtor or a FSBO (For Sale by Owner) listing agency.

Yes. You will be able to sell your interest in the home as long as you have met all of the terms and conditions and your obligations of the lease contract. CHSI Canada reserves first right of refusal on any property that a Lease to Own client wishes to sell.

As with any lending institution, we require that you honour all obligations under the terms and conditions of our Lease to Own contract. You must pay the correct amount on time. If you fail to do so, you will be considered to be in "default" under the terms and conditions of the contract.

If you default, we reserve the right to immediately commence legal proceedings to recover and secure our interests in the property. If this happens, you may lose all equitable interest in the property, including but not limited to: initial and additional option deposits, monthly option credits, etc. We will also be entitled to recover any and all legal costs that we may incur.

We know this sounds serious, so we would like to ensure you are fully aware and clearly understand both our and your rights and obligations under the terms and conditions of the contract before you sign.

If at any time during the term of the agreement you choose to "walk away" from your obligations, you will lose any and all equitable interest in the property and will be responsible for any and all additional expenses that may be incurred on our behalf.

Yes. Once we have received your Initial Option Deposit, you will be provided with the opportunity to have the property inspected. Please note, should the inspection uncover minor deficiencies, the purchase price of the home will not be adjusted. If a major structural or mechanical deficiency is uncovered, you have the right to receive a full refund of your deposit—no questions asked.

No. Your Initial Option Deposit is not refundable if you change your mind. It is refundable if we do not approve your application, or if a certified house inspection uncovers some major structural or mechanical deficiency.

We will only purchase a home you find if you qualify for our You Find It, We Buy It Purchase Program™; otherwise, you must purchase from our Property Listings inventory or enroll in our Purchase Commitment Program™. Please refer to How Do I Find a Home for more details.

We do not provide any type of warranty or guarantee on our properties. We have most of our properties inspected by a certified (CAHPI) inspector at the time we purchase them. We will gladly provide you with a copy (if available) of the inspection report upon request.

You do have the right to have the property inspected independently after we have received your Initial Option Deposit. The cost of this inspection will be your responsibility. Your Initial Option Deposit is fully refundable if a major structural or mechanical deficiency is uncovered. We will not negotiate the purchase price or provide refunds for minor deficiencies or cosmetic issues that may be uncovered.

Not at all. We have assisted many self-employed and commission-based people to become homeowners. Our qualification process is very flexible and takes into account that your income may not always be guaranteed.