English
Chinese (Simplified)
English
Filipino
French
Hindi
Punjabi
Spanish
VietnameseOwn a Home
for 0% Down1
We're opening the doors to homeownership
We're opening the doors to homeownership
Who are we?
We give everyday people like you the opportunity to own your dream home by building your credit and helping you save for a down payment—all while securing a guaranteed purchase price through our Bridge to Homeownership Program.
With our community of partner homebuilders and financial experts, we will help you be mortgage ready and set you on the path to homeownership.
The Bridge to HomeownershipTM Way
Start your path to homeownership with EP Homes - our rent to own program provides homeownership opportunities to those who:
- Are self-employed
- Are new to Canada or have no credit history
- Have a fair credit score
- No down payment
It really is 0% down!
We’re not your typical rent-to-own program. Lease a newly built home or one that was previously loved and save money for a down payment while benefiting from complimentary financial coaching from industry experts.
We’re not your typical rent-to-own program. Lease a newly built home or one that was previously loved and save money for a down payment while benefiting from complimentary financial coaching from industry experts.
- Are self-employed
- Are new to Canada or have no credit history
- Have a fair credit score
- No down payment
We’re not your typical lease-to-own program – with us, it really is 0% down! Lease a brand new turnkey home or find one through our renewed program, and save money for a down payment while benefiting from complimentary financial coaching.
How it Works
Get Pre-Approved
Let us determine your eligibility for the program.
Shop
Find a home you love. Shop from one of our certified builder partners or search for a home that was previously loved.[1]
Bridge
Work with us and our community of experts to keep your ‘mortgage ready’ financial strategy on track.
Own
Rent now and buy it later at a predetermined price with the down payment you saved during the program.
How it Works
1
Apply
Get adjudicated to determine your eligibility for our program. It's free and won't affect your credit score.
2
Shop
Pick your dream home from our builder partners or pre-owned homes that qualify for our program, and we'll buy it for you. It's that easy!
3
Own
Rent now and buy it back later at a predetermined price with the down payment you saved through the program.
What Our Clients Are Saying
Previous
Next
We’re making homeowners.
We’re EP Homes. We’re on a mission to help everyday people become their best financial self; as homeowners.
What Our Clients Are Saying
“My experience with EP Homes has been outstanding. This is a very detailed program; they are honest and upfront with you from the start. Any issues along the way it was simply a phone call or email, and the issues are resolved in a timely manner. I would highly recommend any first-time home buyer that doesn't have the 5% upfront to give this company a phone call. From my own experience it was perfect way to get myself and my family into a brand-new home.”
How the Bridge to OwnTM Program works
1. Get Pre-Qualified
It only takes 5 mins and will not impact your credit score. One of our team members will reach out to you after your submission.
2. Get Approved. Go Shopping
Submit the required information and complete your application. Find your dream home with one of EP Homes' builder partners.
3. Set up Your Bridge to Own™ Plan and EP Homes Purchases the Home
Once you choose your home, we buy it. Yes, really! We will set your move in date and finalize your Bridge to Own™ Plan. EP Homes will pay for the home and cover the GST and closing costs.
4. New Home Walkthrough and Move in
Move into your home, get comfortable and plant your roots. Rest easy knowing, you are living in a warrantied home.
5. Save and Stick to Your Plan
Make your regular payments on time and accumulate a down payment. Review your Bridge to Own™ Plan on a regular basis with EP homes team.
6. Buy the Home at the End of the Lease Term
The EP Homes Team will help you prepare your mortgage application with the lender of your choice. Once your mortgage is approved*, we will help you transfer the property title into your name.
Rent to Own No Down Payment High Risk Mortgage Mortgage Bad Credit Mortgage How to get a home with no down payment Down Payment No money down Canadian Mortgage Rules Homes for Sale Houses Home Lease to Own Bridge to Own Bridge to homeownership Bridge to home High Risk Mortgage Loans Mortgage loans Zero down Real Estate Alberta Rent to Own BC Rent to Own Saskatchewan Rent EP Financial Everyday Homes Everyday People Financial Everyday People Homes Equity Build equity Low monthly payment Earn equity Save for a home Mortgage free Refinance Credit card Credit score Beacon score Rent Edmonton First time home buyer Brand new home Show home Interior design New home Construction Home Builder Rebuild your credit
Be a homeowner with us today!
Complete a pre-qualification assessment today and see if the Bridge to Own™ Program is right for you.
- Accumulate a down payment through a rent-to-own contract.
- EP Homes’ provides the client with a strategy and support to become mortgageable. Acceptance into the Bridge to Homeownership Program™️ is not a guarantee of attaining a mortgage and owning the home at the end of the lease term. Purchase of the property after the lease term is subject to final funding being provided by an independent mortgage provider and guarantor of the mortgage as it can or may be. It is the client’s sole responsibility to maintain their financial strategy to meet future mortgage underwriting criteria.
