Life Happens.
Credit Recovers.
Divorce, job loss, or illness shouldn't cost you your future home. Rebuild your credit while living in it.
See if I Qualify in 60 SecondsOne year can change everything.
A divorce you didn't expect. A job that disappeared. A health crisis that drained your savings.
Suddenly, the credit score you spent decades building is damaged. And banks—who only see the numbers—treat you like a risk, not a person.
Here's what they don't see:
You're not a risky borrower. You're someone who went through something hard. And you're ready to rebuild.
We Work With Families Recovering From:
Divorce or Separation
Splitting assets and establishing independent credit.
Job Loss
A gap in employment that created missed payments.
Health Crisis
Medical expenses and reduced income during recovery.
Business Setback
Ventures that didn't work out leaving personal guarantees.
Whatever brought you here, we've likely worked with families in your exact situation. No judgment. Just a path forward.
Rebuild While You Live
Clover's rent-to-own program gives you:
- ✓Time: Repair credit through consistent, on-time payments.
- ✓Stability: A home your family can stay in, without fear of another move.
- ✓Support: Coaching and accountability to keep you on track.
- ✓Dignity: No explaining your past to judgmental lenders.
This isn't just a contract. It's a structured path back to financial health.
Your Credit Recovery Roadmap
Honest Assessment
We review your situation without judgment. If we see a path, we move forward.
Move In & Stabilize
Get settled. Establish consistent payments. Begin credit repair.
Active Rebuilding (Mo 7-24)
Work with our team to optimize credit scores and address collection accounts.
Transition to Ownership
Secure traditional financing and exercise your option to purchase.
Concerns We Hear From People Rebuilding
Second Chances That Became First Homes
"If you have been a stay-at-home mom for years and are newly separated, like me, then this is the best way to own your own home. Neil made the process easy and pretty enjoyable. He definitely went above and beyond to help me qualify."
"My husband and I are now homeowners! Neil found us an investor who was willing to work with us... This gentleman wanted us to own this home and treated us with respect and dignity."
Our Transparency Commitment
We believe you should know exactly what you're getting into—before you sign anything.
✓ BBB A+ Accredited
Since 2017. Check our rating yourself.
✓ Independent Legal Review
We strongly recommend you to have your own lawyer review all contracts. Non-negotiable.
✓ No Application Fees
We don't charge to review your application.
✓ No Sitting Fees
There are no ongoing fees beyond your rent.
✓ Credit Bureau Reporting
Your on-time payments are reported, building your credit history.
How to Spot a Rent-to-Own Scam
We want you to be an informed consumer—even if you don't choose Clover.
Cash demands before viewing
Legitimate companies don't require payment before you see homes.
Unrealistic timelines
"Own in 6 months with bad credit" is not realistic.
Vague contracts
Every term should be spelled out clearly.
Discouraging legal review
Any company that doesn't want you to hire a lawyer is a red flag.
Your Past Doesn't Have to Determine Your Address
See if you qualify for a fresh start.
Check My Eligibility