Don't see it on our marketplace? Pick any home on the MLS.
Work with a preferred agent, find the house you actually want, and if you're approved, Upswing buys it and leases it to you with the same locked-price option we use on every home.
Five steps from "I want that one" to keys.
Get approved
Same two-minute start. We confirm your budget and that the option fee can be paid in full at signing.
Shop with an agent
Use your own licensed agent or one of our preferred agents. Tour homes on the MLS in our markets that meet the program's property criteria.
Upswing buys it
We make the offer and close on the house in our name. Your agent represents the buyer on our purchase and keeps their full commission.
You move in
Sign the standard Upswing lease and option agreement. Price locked 36 months, rent fixed, same contract as every other home.
Buy when ready
Exercise the option with any lender or cash. Or walk away at the end of the term with nothing owed beyond the option fee.
Honest about the catch.
- The option fee is paid in full at signing. On marketplace homes you can pay a smaller amount at signing and the rest over 24 months; on an any-home purchase we're buying a house specifically for you, so the fee is due up front.
- Rent is quoted case by case. Every house is different. Once you and your agent pick one, we quote the rent and the locked price for that specific home before you commit to anything.
Everything else is identical: three-year locked price, fixed rent, no rent credits, walk-away right, same documents.
Property criteria
- Single-family home in a market we serve
- Passes a standard inspection, or the seller fixes what doesn't
- Priced within your approved budget
- Not a foreclosure auction, short sale or manufactured home
Property eligibility is always confirmed before you commit. Availability subject to underwriting, appraisal and market.
Questions people ask about the any-home program
Can I use my own agent?
Yes. Any licensed Oklahoma agent can represent you. If you don't have one, we'll connect you with a preferred agent who knows how the program works.
Who pays the agent?
Upswing does, through the purchase, the same way any buyer's agent is paid at closing. It doesn't come out of your pocket.
How is the locked price set?
On the price Upswing pays for the home, plus our published program cost. You see the number in writing before you sign anything.
Why is the option fee due up front on these homes?
Because we're buying a specific house for you rather than one we already own. The fee is what makes that commitment work for both sides. On marketplace homes you can still spread part of it over 24 months.
What if the seller won't accept our offer?
Then we keep looking. You're not charged anything until we've closed on a house and you've signed the lease and option.
How long does it take?
Typically 30 to 45 days from accepted offer to move-in, like a normal closing.
Start with the two-minute form
Tell us your budget and where you want to be. We'll tell you exactly how the any-home path would work for you.