Free Consultation — No Obligation
Who This Program is Designed For
The Lease2OwnSmart Program May Be a Good Fit for People Who:
* Have steady income but need time to improve credit
* Are self-employed and need stronger documentation
* Recently experienced financial setbacks
* Need time to save for a down payment
* Want guidance navigating the homebuying process
Not everyone qualifies immediately, but many renters can become homeowners with the right plan and support.
Benefits of Owning vs Renting
Building Equity Over Time
When you own a home, a portion of each mortgage payment typically reduces your loan balance, gradually increasing your ownership stake in the property. As home values potentially rise over time, your equity may grow even further, creating a valuable financial asset.
Tax Advantages
Homeowners may be able to deduct certain expenses such as mortgage interest and property taxes, depending on their individual financial situation and current tax laws. These potential deductions can help reduce taxable income and make homeownership more financially advantageous for some buyers.
Greater Housing Stability
Owning a home can provide long-term housing stability because you are not subject to landlord decisions, lease renewals, or unexpected rent increases. With a fixed-rate mortgage, your principal and interest payments can remain consistent over time.
Freedom to Live As You Want
Homeownership gives you the freedom to make your living space truly your own. You can paint walls, update finishes, decorate as you wish, have pets, landscape your yard, and modify the home to match your lifestyle and preferences without needing landlord approval
Build Long Term Wealth
Real estate has historically been one of the most common ways families build long-term wealth. As you pay down your mortgage and property values potentially increase, the equity in your home can become a significant financial resource for the future.
How the Lease2OwnSmart Program Works
1 - Initial Consultation
Meet with our team to review your current situation and goals.
During this meeting we will:
* Review income and employment
* Discuss credit and financial readiness
* Identify potential obstacles to homeownership
* Outline a customized homeownership plan.
* Explain Home Buying Process & Answer Any Questions
Our goal is to determine the best path forward for you.
2 - Financial Preparation
If you are not quite ready for mortgage financing, we help- you prepare
This phase may include meeting with expert mortgage professionals:
* Credit Improvement Dtrategies & Debt Reduction Planning
* Down Payment Savings Plan
* Mortgage Pre-qualification Preparation
We work closely with experienced lenders to ensure you are on the right track toward approval.
3 - Home Search & Selection
Once your preparation plan is underway, we begin searching for the right home.
Our team will help you:
* Identify homes that meet your needs
* Structure a potential lease-to-own agreement if appropriate (rarely suggested)
* Understand purchase timelines and coordinate with lease-end
* Evaluate long-term affordability
The goal is to ensure that the home you select will be a strong long-term investment.
4 - Transition to Homeownership
When you are financially ready, you move forward with purchasing the home.
This typically includes:
* Mortgage Loan Approval
* Final Home Purchase Negotiations
* Closing on Your New Home
At this stage you transition from renter to homeowner.
About Us
Our Mission
Our mission is to guide renters in understanding their homeownership options before renewing their lease, ensuring informed choices.
Meet Our Team
The Young-Frigard Team offers 25+ years of real estate expertise, dedicated to helping you explore homeownership through education and personalized support.
Our Services
Our Lease2OwnSmart™ program helps renters assess if homeownership is achievable before lease renewal. We provide a quick rent-vs-own analysis, connect you with lending experts, and support you through buying your home.
Experienced Real Estate Consultants
Freeman "Larry" Young Broker Associate, Realtor™ CA DRE # 01804140
Jeanne Frigard Realtor™ Associate CA DRE # 02094027
Jeanne Frigard Realtor™ Associate CA DRE # 02094027
Larry Young brings nearly two decades of real estate experience since 2007. A former brokerage owner, broker, and agent coach, he specializes in guiding clients through strategic housing decisions and helping renters evaluate practical pathways from renting to homeownership.
Jeanne Frigard Realtor™ Associate CA DRE # 02094027
Jeanne Frigard Realtor™ Associate CA DRE # 02094027
Jeanne Frigard Realtor™ Associate CA DRE # 02094027
Jeanne Frigard combines real estate expertise with years of experience as a successful small business owner. Known for her dedication to client service, she helps buyers and renters navigate the housing process with clear guidance, thoughtful advice, and a focus on long-term success.
Aaron Meadows Broker, Owner, Property Manager. CA DRE # 01311126
Jeanne Frigard Realtor™ Associate CA DRE # 02094027
Aaron Meadows Broker, Owner, Property Manager. CA DRE # 01311126
Aaron Meadows brings more than 30 years of real estate experience and a strong background as a small business owner, leading both a real estate brokerage and property management company. He has also served in leadership roles in local government, real estate organizations, and community service groups
3 Simple Steps to Homeownership
STEP 1: LET'S MEET & REVIEW YOUR OPTIONS
STEP 2 - GET PRE-QUALIFIED FOR A MORTGAGE
STEP 3: FIND & BUY YOUR HOME!