If you’ve ever applied for a traditional mortgage, you know how overwhelming the paperwork can be. Banks often require tax returns, credit reports, long employment histories, and pages of financial statements.
But with owner financing, the process is much simpler.
At Legacy Path Home Buyers, we focus on people—not paperwork. Still, there are a few basic documents you’ll need to get started.
Let’s walk through what to expect—and what you don’t need to worry about.
✅ Documents You Do Need
You don’t need perfect credit, but we will ask for a few basic items to make sure this is the right fit for you.
1. Proof of Identity
We’ll need a valid government-issued ID such as a:
– Driver’s license
– State-issued ID
– Passport
2. Proof of Income
We want to make sure the monthly payment fits your budget. Some examples of acceptable proof:
– Recent pay stubs
– Bank statements
– Self-employment income (invoices, deposits)
– Social Security or disability award letters
3. Proof of Down Payment
We’ll discuss the amount during the application process. You’ll need to show that you have the down payment ready, typically with:
– A recent bank statement
– Cashier’s check or money order
4. Application or Intake Form
This helps us understand your situation and preferences. We don’t ask about credit scores—we care about your income, stability, and goals.
🚫 What You Don’t Need
Here’s what you can cross off your list—because we don’t require them:
– ❌ Credit report
– ❌ Tax returns
– ❌ W-2s or 1099s
– ❌ Letters of recommendation
– ❌ A perfect financial record
We believe your future matters more than your past.
Why We Keep It Simple
Many of our buyers have faced challenges like:
– Past bankruptcy
– Divorce
– Medical debt
– Self-employment without traditional paperwork
That’s why we make our process simple, honest, and approachable.
What Happens After You Submit Your Documents?
Once we have your ID, proof of income, and down payment verification:
1. We review your information and reach out to talk through your goals.
2. If everything looks good, we show you homes that fit your budget.
3. We walk you through the agreement and set a move-in date!
You’re Closer Than You Think
Don’t let paperwork hold you back. With just a few simple documents, you can be on your way to owning a home—even if banks have told you no in the past.
👉 Apply today and let’s take the first step together.