Welcome to HOS Financial Inc. We are a “National” Lease Purchase ( Rent to Own) company whose Corporate Mission is: “To help ... Consumers achieve the Dream of Home Ownership when their Bank or Mortgage Lender says “no”… “no” to financing a new home purchase and “no” to renewing an existing mortgage which can put Families into a Power of Sale or Foreclosure” Since 2005, HOS Financial has been helping families across Canada achieve the dream of Home Ownership by providing Custom Solutions using our Industry revolutionary Lease Purchase (Rent to Own) Program. Our Rent to Own program is designed to help families who have been turned away from their banks when they have experienced Life Events that has negatively affected their Credit Score. At HOS Financial, we understand that circumstances in life can change in a “New York minute” and we are here to help. When you want to buy a new home…regardless of your situation…we can help! When you are facing Power of Sale or Foreclosure…don’t sell your home…we can keep your family in your home! Our revolutionary Lease Purchase ( Rent to Own) program can help families whether they are trying to buy or need to refinance. The rules around Bank Financing have changed drastically in recent years! Securing Mortgages to buy a home or refinance a mortgage when you have damaged credit is becoming increasingly more difficult. We are here to help! We have an extensive Credit Mentoring program that will help your Credit back on track during your Lease Purchase (Rent to Own) Program. We firmly believe everyone needs a helping hand from time to time…so…when others are telling you no…we are telling you yes! Give us a call to discuss your situation…we can help in ways others cannot! If your have or are facing any of the following issues…we can help! Damaged or Bad Credit Power of Sale Foreclosure Overwhelming debt Turned down by your bank Many families across our great country have benefited from our fantastic Lease Purchase (Rent to Own) read more