Lease-to-own in Phoenix, AZ
Lease-to-own (lease-option / lease-purchase) is a path when a buyer needs time to repair credit, document income, or build cash to close — while controlling a Phoenix or Glendale home. Giancarlo Anduray (NMLS 1537433) treats it as a structured overlay, not a handshake.
How lease-to-own works
You lease the property with an option or obligation to purchase later. A portion of rent may credit toward the down payment if the contract says so. The purchase still has to qualify when you exercise.
Who it helps
Buyers who are 6–24 months from a clean FHA, Conventional, VA, or Non-QM underwrite. Investors using it as a seller-financing structure should say so up front.
What we will not do
We will not treat a verbal “rent until you buy” as a loan program. The contract, option fee, and exit financing have to be real.
Exit financing
The end of the lease is usually FHA, Conventional, VA, or Non-QM. We reverse-engineer that file on day one so you are not stuck.
Tax planning
Option consideration, rent credits, and basis belong on the Mi Casa side of the same advisor relationship.
Phoenix office
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191 · GBP hours Mon–Fri 8–7, Sat 9–1.
Hablamos Español
Bilingual EN/ES for first-time buyers using a lease-option as a bridge.
Next step
Giancarlo Anduray, NMLS 1537433 · AFM Lending, powered by PMR · Premier Mortgage Resources NMLS #1169
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191 · Hablamos Español
Why Choose Giancarlo
A strategy-first mortgage team serving the Valley.
AFM Lending has funded more than $100 million and served over 250 clients — with honest advice and a personal commitment to every client guiding you from the first call straight through to closing day.
Giancarlo secures the most competitive mortgage rates available saving you money every month and over the full life of your loan.
Giancarlo offers free, no-obligation consultations to every client so you can explore your options without any pressure or upfront cost.
Giancarlo monitors your loan long after closing keeping you informed about refinancing opportunities and market changes that could benefit your financial future.
Giancarlo is always available to answer your questions providing dedicated, around the clock support throughout every stage of your mortgage journey.