do rent to own loan programs still exist?

Yes.. but with homes selling in days, not weeks or months, the only people who are offering up their homes with some sort of seller financing are those who can benefit from it. Maybe their home is not sell able or fanciable. Or, maybe they are trying to get way more than it's worth.. I knew of a real estate investor who would offer his properties as a rent to own.. she would collect $5K to $20K upfront and put them on a 3 year lease.. but because it's a lease, if you made one payment late, she would evict them (typically 30 days here in AZ) and keep the "Option Fee", throw them out and do it all over again. So the short answer is Yes.. they do still exist.. but they are never going to be your best option.. your far better off working on your credit, save your money and buy using conforming financing.. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / MKS Lending LLC DBA Trusted Lending Center, NMLS 1018196 / AZMB 1414920