Buy Owner-financed homes
Buy a home with owner financing.
Not everyone fits a bank’s box — self-employed, early in your career, rebuilding credit, or just tired of the runaround. Owner financing lets you buy directly from a seller, on terms that are clear up front.
Why buyers like it
Ownership, without the bank maze.
Clear terms, in writing
Price, payment, rate and term are disclosed before you commit. No surprises at the closing table.
Build equity from day one
Every payment goes toward a home you own — not toward someone else’s mortgage.
Done properly
Closings are handled by a title company or attorney, and where the law requires it, through a licensed loan originator.
Buyers list
Be first to hear about homes that fit.
Tell us where you want to live and what feels comfortable. When a home with owner-financed terms matches, we’ll reach out.
Joining is free. It’s not an application, and you’re not committing to anything. We don’t make loans; any financing is between you and the seller and handled as the law requires.
Buyer questions
What buyers ask us.
How is owner financing different from a bank loan?
The seller, not a bank, carries the loan. Approval is based on the seller’s requirements, which can be more flexible than a bank’s. You still sign a real promissory note, the purchase is recorded, and you build equity as you pay.
How much do I need for a down payment?
It depends on the property and the seller. Every home has its own terms, and we’ll share them clearly before you apply. If you’re not ready yet, tell us — we can let you know when something fits.
Do you check credit?
Each seller sets their own requirements, which may include income verification, references or a credit review. Self-employed buyers and people rebuilding credit are welcome to join the list.
Is this rent-to-own?
No, these are purchases. With owner financing, you’re the owner from closing, responsible for the home like any owner, while you make payments to the seller.