I have been a Realtor for 20 years after spending 35 years in the Education field as a teacher. I like to help people. When I became an agent, I found that there many good families who cannot own their own home because of credit issues. These are good hard working families who have had an issue in their life that has caused their credit to drop drastically and now they are not eligible to get a mortgage and own their own home. We finally found a program that will help these families own their own homes. It is called Rent To Own.