Simple Answers to Common Questions
Everything you need to know about our owner-financing process
Do I need good credit?
No. We help people with all kinds of credit history—even if banks have turned you down. Your credit score doesn’t determine whether you can own a home with us.
How much do I need upfront?
Most buyers bring $2,000–$5,000 as a down payment, but this can vary depending on the home and your situation. We work with you to find something that fits your budget.
Who fixes things in the home?
You do—just like a normal homeowner. It’s your house, so you’re responsible for maintenance and repairs. This is part of building equity and true ownership.
Can I refinance later?
Yes. You can switch to a regular mortgage any time you qualify with a bank. Many of our buyers do this after improving their credit or financial situation.
How long is the financing term?
Terms vary depending on the home and your situation, but most are structured as 15-30 year owner-financing agreements with fixed monthly payments.
What happens if I can't make a payment?
We understand that life happens. If you’re having trouble, contact us immediately. We’d rather work with you to find a solution than go through foreclosure.
Is this rent-to-own?
No. This is direct owner-financing. You own the home from day one and start building equity immediately. You get a deed and all the benefits of homeownership.
What areas do you serve?
We currently serve several metropolitan areas. Contact us to see if we have properties available in your desired location.
How quickly can I move in?
Usually within 5–10 days once everything is approved and paperwork is complete. Much faster than traditional bank financing.