OWNER FINANCED HOMES – NO BANK APPROVAL REQUIRED

Life happens—just because you don’t have perfect credit or a traditional job doesn’t mean you shouldn’t be able to own a home. You work hard, and you deserve the same opportunity as everyone else.

With owner financing, you can skip the red tape and buy directly from the seller—with affordable monthly payments and real ownership from day one.

Also known as seller financing, owner financing lets you buy a home directly from the seller—no bank approval required.

Instead of applying for a traditional mortgage, you make monthly payments to the seller—just like a mortgage, but with less hassle, more flexibility, and fewer requirements.

With owner financing, your income, savings, and rental history are your credit—not a three-digit score. It’s a smart, simple way to own a home—now.

If you’ve struggled to get approved by banks and lenders, this could be your best path to homeownership.

This program is ideal if you:

• Are self-employed or have unpredictable income
• Have credit challenges or no credit history
• Are tired of being told “no” by banks
• Want to close fast and take control of your future

1. Find a Home

Browse our available owner-financed homes—or tell us what you need.

2. Agree on Terms

You and the seller negotiate the down payment, monthly payment, and purchase terms.

3. Sign & Move In

No waiting. No mortgage committee. Just the keys in your hand and a home to call your own.

4. Make Monthly Payments

Make payments directly to the seller while building equity—until you refinance or own it free and clear.

• ✅ No bank approval required
• ✅ Fast closing with less paperwork
• ✅ Low down payment options available
• ✅ Own from day one—build equity as you go

“I thought homeownership was out of reach. Owner financing gave me a second chance—and a place I can finally call mine.”

— Luis M., Owner-Financed Buyer