Community & Business Development
Our business model is based on three key aspects: Save, Share & Support. The mantra is simple and tangible. We do this by providing communities the tools to purchase their home of choice!
Charlotte, NC
About Us
Mission
Giving disadvantaged populations the chance to pursue the American dream through housing and workforce initiatives!
Vision
To assist the communities we serve with sustainable change and growth; by fostering equitable opportunities for all!
Distinguishing Features
Working with Give-N-Go offers unique access to various features, which include:
Consensus management by partner agencies;
Functional integration of service delivery;
Market-driven approach to product development;
Integrated MIS systems;
Intense involvement in the business community;
Links to higher education and K-12 school systems; and
The development of highly diversified funding base opportunities, including grants, contracts and business development partnerships.

As a Community Development Corporation, we need to drive business in the urban and rural markets to bring in millions – if not billions – of dollars annually. This includes fee-based revenue, a broad array of technologically advanced services, and unique financial arrangements for building, finance, construction and ownership within local communities.
First Time Homebuyer Info
Buying a home is still considered a key aspect of the American dream. As a first-time buyer, you have access to state programs, tax breaks, and federally backed loans if you don’t have the usual minimum down payment—ideally, 20% of the purchase price for a conventional loan—or are a member of a certain group. And you may qualify as a first-time buyer even if you’re not a novice.

Housing Education
Delinquency & Foreclosure Prevention: This program provides one-on-one consulting services to individuals who are falling behind on their home mortgage payments and face the threat of losing possession of their homes by means of foreclosure.

Homeowners Institute
The Institute sponsors a multi hour Homebuyer Education workshop that provides information about the resources and steps involved in purchasing a home. The successful completion of this class is required to qualify for various home financing (mortgage) products, down payment assistance and other services provided by Give N Go.
Tenant Buyers
Our Lease Option program, can help make your dream of home ownership come true. If you can manage a reasonable down payment and the monthly payments, you are in a good position to qualify today for a lease option home.
Does any of these situations applies to you?
- short job history
- self-employed
- past or present financial problems
- collections or judgements
- bankruptcy
- short sale
- foreclosure
Don’t Worry. WE CAN HELP!

Want to get pre-qualified for a lease option/lease purchase home?
Qualified applicants can buy their homes now while still having flexibility to finance them later. The fastest way to get into your new home is to start the process now. Contact us today. Complete the Buyers List form, where you can tell us a little about yourself and your situation, as well as what you are looking for, and we will get back to you as soon as possible to give you more information and answer any questions you may have.
If you are ready to apply for a specific home, you may complete the Online Application.
**Note: We do not act as your real estate agent in these transactions. We are investors who specialize in lease options. We are selling you the property and/or our interest in the property.**
Tenant Buyer FAQs
What is a "lease option"?
Known by multiple names from “lease to own”, “rent to own”, or “lease purchase option” (although there are subtle differences with each of these), a Lease Option is an arrangement where you rent a house for a specified period of time and pay upfront ‘option consideration’ to have the exclusive right to purchase it at a later date. A lease option allows you to ‘try before you buy’, and gives you time to build a down payment, improve your credit, and ease into home ownership at your own pace.
Is Lease-Purchasing right for me?
If you are responsible and can make on time payments, we can help you get into a position to buy your new home. Lease purchasing is ideal for anyone who cannot qualify for a mortgage today, but can within the next year or so. You might be self-employed, starting a new job, recently divorced, new to the area, or you have past or current credit issues. Perhaps you’ve found that prices are inflating faster than you can save your down payment. We can even work with folks who have a foreclosure, short sales or bankruptcy on their record.
How is Lease Purchasing different from renting?
A lease purchase is an opportunity to lock in your purchase price while you are still renting. You will be given a written, legal “option” to purchase your home for a certain price within the next year (or an agreed term). Our expectation is that you care for the property as your own home, handling routine maintenance and repairs. This is a great opportunity to get a feel for what it’s like to be a homeowner without having to actually deal with getting a mortgage, etc.
What are some advantages to Lease Purchasing?
One great advantage is that you may be able to earn credit towards your purchase and/or other costs by paying rent on time and properly maintaining the home. Some tenant-buyers earn credits which they may be able to use towards the down payment or closing costs. Part of your move in payment – the option consideration fee – is instant credit towards your purchase. You will have up to a year (or more in some cases) to improve any issues, creditworthiness while locking in your purchase price today.
While we do personally know some Realtors who understand how to properly set up Lease Options, most of the Realtors we have encountered do not. (Our personal feeling is that some Realtors might also fear losing out on potential commissions from your listing.)
Another important point is that our leases are “triple net” with the tenant taking responsibility for all routine maintenance and repairs on the home. Our contract is structured to highly incentivize the tenant to purchase the home and provides the vehicle to ensure they are in position. We also understand finance, and what it takes to get financing, and we refer our clients to credit repair and other professionals, when appropriate. We believe in our clients and are willing to help this become the turning point in their lives!
Most Realtors have no way of knowing what it will take to put someone in position to get a mortgage. Our involvement in qualifying a client for our program goes far beyond having someone else give them a credit score. Our clients come to us because they WANT to own a home and they are willing to work to get one. Your tenant will be qualified with the same standards that we use for our homes.
How do I qualify for a lease option home?
In order to qualify for one of our houses, you will need to be able to put down a reasonable option consideration fee (typically 3-5% of the purchase price) which usually applies 100% towards the purchase price; have the ability to make monthly payments on time; and have a willingness to improve your credit situation, if needed, so you can ultimately buy the home.
We want to set you up for long-term success in a home that is truly affordable. We will start by looking at your gross monthly income to make sure it is at least three to four times the monthly housing payment.
**Complete Our Tenant Buyers Application.**
Without prior knowledge and experience it would be difficult for you to provide the same level of value to the tenants that we are able to offer. Our good standing with previous clients allows us to attract a better caliber of tenant.
**If you wish to “do it yourself” let us guide you through the process**
What if I have bad credit?
Don’t let your prior credit history keep you from moving into the home of your dreams. If you have bad credit, all that we ask is that you demonstrate a willingness to improve your credit score so you can qualify for a loan at the end of the lease period, can afford the monthly payment, and that you provide “skin in the game”. We have a plethora of resources to help you achieve this goal.
How long do I have to buy the house?
Our lease option timeframes are generally for 12 months. Sometimes, depending on the situation, the lease option term may be extended. We’ll try to match the house to your credit situation so you have plenty of time to get financing.
What happens if I am not able to qualify by the end of my Lease-Option term?
You can move out, or possibly negotiate a new agreement with new terms. If for some reason the house doesn’t appraise, we may be able to extend the lease option term.
What happens if I decide not to buy?
If you decide not to buy the house, you are released from all obligations without additional cost. Your upfront option consideration and any rent credit will be forfeited.
Will you check my credit?
We accept all kinds of credit situations, from good, bad to ugly. We do require a copy of your credit report and we will perform a background check before you move in. The credit report is pulled mainly because we want to see what items that you’ll need to work on during your lease so you can eventually qualify for a mortgage. There may derogatory items on your credit that shouldn’t even be there and knowing this in advance gives plenty of time to clear them up. You may pull a report for your own use from one of the many credit reporting websites, and this will not show up as an inquiry on your credit. Our applications also provide the chance to do a credit report too. Depending on your situation, we may require you to work with a credit repair company.
How can I get my credit report?
You may obtain a copy of your own report from each of the 3 major agencies online at freecreditreport.com. You will also receive your credit score and advice on improving your score. We require a report from only 1 agency.
How is the price determined?
A comparable market analysis is done to find recent sales of similar homes in the area. Price adjustments are made based on the size, age and condition of the comparable houses and for inflation prior to your purchase. Lease Option homes are typically priced with projected future value in mind, so at first glance they may appear to be priced higher than similar homes in the area. Keep in mind that people who are already prequalified to buy are usually in a position to negotiate better pricing. However, with earned credits, your final cost may actually end up being less than those of similar homes.
**Ask About Earned Credits**
How does the sale get finalized?
Please let us know in advance when you are ready to buy so we can help guide you through the process! In most cases, you will work with a mortgage loan originator (MLO) who facilitate the mortgage loan process. We are happy to provide MLO referrals upon request. No realtor is necessary, as the terms of the sale have already been agreed to up front. We will most likely execute a new purchase and sale agreement according to the terms outlined in the option agreement, or we may be able to simply use the original lease and option agreements. You will sign the final documents at a licensed escrow company, who will prepare the deeds and other documents and record the final sale.
Sellers

Give N Go can:
- help you get out of your house faster,
- save you money,
- possibly get your full asking price!
We could show you how to get a favorable price for your home, not worry about maintenance and repairs, get above market rents, get on-time rent every month and not pay any realtor commissions.
We know what you’re probably thinking – why should I let you do this for me when I can do it myself and pocket the option money? We believe that we can help you lease your home faster and identify a better tenant-buyer than if you go it alone. We are constantly marketing tons of homes, we have developed an enormous database of clients who are looking to Lease Option a home right now. We currently have more people wanting homes than we have available! There is a huge disparity between the supply and demand of Lease Options homes. In fact, only 2% of all homes listed for sale on the MLS right now are available for Lease Purchase (and many Realtors don’t know how to set them up properly).
We screen top notch candidates to be a part of our program-0ur tenant-buyers are serious about home ownership!
Note: We do not act as your real estate agent in these transactions. We are investors who specialize in lease options and are selling or assigning our interest in the property or subletting through an Option Agreement.
Let Us Help
With our expertise in creative financing our huge network of prospective tenant buyers and investors, we can help you fast!
You choose which option works best for you!
If you are open to a nonconventional sale or lease option terms, we can offer you much better pricing. We can also offer to pay all cash and close quickly.
The first step is to complete the Property Information Worksheet. This form gives us the necessary information so that we can research the property and establish value, as well as help answer the prospective tenant-buyer’s questions about your home.
If you wish to send photographs of your home (in most cases, we can come out and take professional photographs) we prefer that you upload your photos on DropBox and send us the link, or you may also attach the photos to the Property Information Worksheet.
Typically, we like to have photos of the Front and Back of your house as well as the kitchen, family room, master bedroom and master bath. Of course, anything that is particularly attractive in your home will be helpful!
We can usually get started marketing your property right away! We currently have thousands of people in our database that are looking to move into a Lease Option Home immediately, so the sooner you get us the information we need, the sooner we can find someone who will take care of your house like it’s their own.
Take advantage of the opportunity to sell or Lease Option your home to the professionals at Give N Go , and free yourself from the burden of your monthly payments!!
Seller FAQs
What type of agreement will I sign with Give N Go?
In most instances, we will have a Lease Option agreement with a clause that allows us to sublet the property. In some cases, we might actually buy the home and take over the payments.
Is there a cost?
In most situations, the cost to you is nothing. Give N Go get’s compensated by the tenant-buyer, out of the non-refundable option consideration fee. This fee may become part of their down payment when they exercise their option and buy the home. At that point, you will need to credit them that money at the end of the lease option term, on the purchase & sale agreement, only if and when they buy the home.
**If you wish to “do it yourself” let us guide you through the process**
What is my involvement in collecting the rent and/or dealing with the tenant?
Again, it depends. In some situations, once the all of the paperwork is signed with the Tenant-Buyer, and assigned over to you, we are completely out of the deal. In those cases, unless we agree to do otherwise, we would have no involvement in collecting the rent.
In other situations, we may agree to “stay in the middle” of the deal, wherein will be the “perfect tenant” and make sure rent is paid on time, deal with any repairs and maintenance, handle tenant calls and issues, etc.
Why don’t I have just have my Realtor help me? Or, my Realtor says Lease Options don’t work.
A Realtor will likely want you to use the MLS form, which does not provide what you want and is a great way to get sued. Why? The standard MLS document protects the Realtor, not you! It also provides the tenant an equitable interest in the property, which means if you get a “wise guy” for a tenant, you will have to first foreclose and then evict. With our lease option agreements, if the situation requires us to remove a tenant it is with a straight eviction.
While we do personally know some Realtors who understand how to properly set up Lease Options, most of the Realtors we have encountered do not. (Our personal feeling is that some Realtors might also fear losing out on potential commissions from your listing.)
Another important point is that our leases are “triple net” with the tenant taking responsibility for all routine maintenance and repairs on the home. Our contract is structured to highly incentivize the tenant to purchase the home and provides the vehicle to ensure they are in position. We also understand finance, and what it takes to get financing, and we refer our clients to credit repair and other professionals, when appropriate. We believe in our clients and are willing to help this become the turning point in their lives!
Most Realtors have no way of knowing what it will take to put someone in position to get a mortgage. Our involvement in qualifying a client for our program goes far beyond having someone else give them a credit score. Our clients come to us because they WANT to own a home and they are willing to work to get one. Your tenant will be qualified with the same standards that we use for our homes.
Why can’t I just do this on my own?
You can but let our experts help! Single properties will most likely attract a career renter, which is not what anyone want. Career renters don’t exercise the option to buy, often destroy the homes, want to harass you at every opportunity about repairs, and generally want to pay less than your cost to carry the home. Our tenant buyers come to us because they are interested in our lease option program. Very often our first contact is non-specific to a home. This is our business, and we’re amazing at it.
Without prior knowledge and experience it would be difficult for you to provide the same level of value to the tenants that we are able to offer. Our good standing with previous clients allows us to attract a better caliber of tenant.
**If you wish to “do it yourself” let us guide you through the process**
What do you mean when you say you provide “value” to your clients?
Our contracts are set up to put them in a position to eventually purchase the home. We understand finance and we have a large network of professionals to whom we refer. We can even set them up to report their monthly rent payments to the national credit bureaus!
Homebuyer Education Workshops Schedule
Down-payment Assistance
If you are a first time home buyer wanting to purchase a home , but have limited funds for a down payment and less than perfect credit, combining a government-insured loan with a down payment assistance program could open up the door to home ownership for you and your family.
Predatory Lending Education
Low and moderate income individuals are often at risk of acquiring personal and home loans with excessive interest and other charges. The Predatory Lending Education and Refinancing Program offers one-on-one assistance to individuals who are experiencing financial distress resulting from such loans. Through this program, Prosperity’s staff consults, confidentially, with individuals to review their budget and evaluate options for repairing their credit and replacing their existing loan with a better loan. In the process, individuals learn how to guard against predatory lending practices and become wiser borrowers and money managers in the future.
Credit Awareness & Financial Literacy
A common factor that keeps individuals from purchasing their own home is poor credit. This program helps individuals understand their credit report, improve their credit score and solve credit problems. We will train and coach low and moderate income citizens in the skills and knowledge necessary to build personal wealth.