From Renter to Homeowner: How Lovely Victor is Building Wealth Through OHD’s Rent-to-Own Program

Being goal-driven, focused, and disciplined has paid off in a life-changing way for Lovely Victor. After three years of renting, she is now the proud owner of the very same property—thanks to the Rent-to-Own Program from Our House Development (OHD). Her story is one of perseverance, smart financial planning, and the power of community-centered real estate solutions.

Lovely's journey reflects the core mission of OHD: to provide clear, attainable pathways to homeownership, particularly within Black and Brown communities that have historically faced systemic barriers to building generational wealth. As a former banker and educator, I understand firsthand that homeownership isn’t just a milestone—it’s the first pillar of long-term financial stability.

At OHD, we believe that financial literacy is key to empowerment. Our programs don’t just connect clients to properties—they provide guidance every step of the way. From credit repair and securing proper insurance to exploring alternative paths to homeownership, we are committed to walking hand-in-hand with our clients toward their goals.

One of the most innovative tools in our approach is the Rent-to-Own Program. OHD works closely with landlords who are open to selling their properties in the near future. Tenants who have demonstrated reliability—like consistently paying rent on time—are given the opportunity to enter into a contract agreement with the property owner. This agreement includes putting down a negotiated amount toward eventual ownership. Once the term is successfully completed, the tenant closes on the home they’ve been living in. Stability, equity, and pride of ownership is the goal of our program.

Lovely Victor exemplified this path. She fulfilled her contract terms with integrity and determination, and today, she is a homeowner—right where she’s always been. What makes this such a huge step towards building wealth is that she now owns her house free and clear.

Why Homeownership Matters in Our Communities

Homeownership provides more than just a roof over your head—it’s a foundation for thriving neighborhoods. For Black and Brown families in particular, owning a home can mean:

• Economic Stability: A home is often the most valuable asset a family can own. It can be leveraged for educational expenses, emergencies, or as a springboard to further investment.

• Community Empowerment: Homeowners are more likely to invest in their neighborhoods, participate in local decision-making, and contribute to vibrant, safe, and stable communities.

• Generational Wealth: Passing down a home to future generations breaks cycles of poverty and opens doors for the next generation to pursue even greater opportunities.

• Personal Confidence and Security: Ownership fosters a sense of pride and permanence that renting simply cannot replicate.

  
  

At Our House Development, we’re not just in the business of real estate—we’re in the business of transformation. Every client we serve brings us one step closer to a more equitable future, where homeownership is accessible, sustainable, and empowering for all.

If you're ready to start your own journey from renting to ownership, reach out to OHD today. Let's build together.