Frequently Asked Questions

Owner Financing is when a property buyer finances the purchase directly through the person or entity selling it. This often occurs when the prospective buyer cannot obtain funding through a conventional mortgage lender.

We help lots of folks like you to purchase the home of their dreams with our Texas owner financing program.

Fill out the form below to get started on your way to home ownership!

The owner financing process is actually pretty simple.

After you’ve seen some fantastic properties you want to own, we’ll go through a simple application process. Don’t worry – we help people with all kinds of credit and financial situations, and if you can afford the property, we can probably help you to own it.

We help you avoid bank qualifying and streamline the process to home ownership. You will need a certain amount of a down payment and a minimum household monthly income and we need to verify that you have the ability to make the monthly payments. We do this for your protection so we know you will be able to afford the home you want.

That’s the process!

First step – Sign Up and Get Started Now!

Yes you can! Many people with bad credit can still buy a home without a bank.

Every situation is different, but we specialize in helping people who have been through tough circumstances (or just made mistakes in the past) to get started on the path to a great financial future and home ownership.

So fill out the form at the bottom of this page now and get your piece of the American dream!

In our in program the homes we offer typically range in price from $150,000 to $400,000.  We have found that this is the best price range to find homes that are in decent neighborhoods where people want to own a home and raise a family.

In our program we prefer a minimum verifiable family income of at least $4,000/Month.  Higher priced homes will require more verifiable income.  For family income amounts less than $4,000/Month the number of homes that you will qualify for will become very limited, but we still help you become a homeowner if at all possible.  We will let you know right up front the maximum home sales price you qualify for in the application process.

Yes, but we can be very flexible.

Our program typically requires a down payment of Twenty Percent (20%).  These funds will need to be in your checking account for at least 30 days before loan application.  However we also have other special programs with $0 Down Payment available and most of our new homeowners can also qualify for this program as well.

So don’t wait! Get started now by filling out the form at the bottom of this page.

In our program closing costs typically run from $10,000 to $15,000 depending upon the price of the home.  However we also have other special programs with very limited closing costs and most of our new homeowner can also qualify for this program as well.

US Citizenship is not required.  At least one one home purchaser needs to be a Legal Resident Alien to qualify for our program.  A Non-Legal Resident Alien’s Spouse will also qualify for our program.

A US Social Security Number is not required.  However a Legal, valid and fully verifiable Taxpayer Identification Number (TIN) is required for a Legal Resident Alien to qualify for our program.  A Non-Legal Resident Alien’s Spouse is not required to have either a US Social Security Number or TIN.

There are a lot of benefits of owner financing!

So don’t wait! Get started now by filling out the form at the bottom of this page.

Throughout the State of Texas, lots of smart people are using owner financing as a way to get the home of their dreams without having to qualify for a bank loan. Plus you are saving thousands on closing cost or points that are standard with dealing with a traditional mortgage or lender.

In the past few years, banks have been very tight on their lending criteria.

We know that every person, family and situation is different.

We do our best to help you uncover creative solutions to help you own the home of your dreams.

Once you’ve had a chance to check out available homes you are interested in, you’ll fill out a application that will include detailed information on everyone living in the home.

We’ll conduct a credit check and verify the income(s) for everyone over 18 who is living in your household to confirm that you’ll be able to make your monthly payment.

We’ll speak with your references and previous landlords, because relationships matter to us more than just scores assigned by a computer.

We love helping great folks to reach their dreams, so don’t be afraid – fill out the form below to get started!