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Usually, owner financing comes with several strings attached. You may be asked to make a balloon payment and may have to pay prepayment penalties if you decide to refinance your mortgage with a conventional lender in the future.

In our system, there won’t be any balloon payments and you can rebuild credit as your timely payments are reported to credit bureaus regularly. There won’t be any prepayment penalties if you decide to pay off your loan before the amortization period.

Some other advantages of buying owner-financed homes in Texas including Houston with our program include:

• Any credit score can work with our system
• Stated Income
• No Sourcing or Seasoning of Funds
• No Time on Job Requirements
• Self Employed OK
• Foreign Nationals OK
• Tax Identification Number OK

The fact that you are buying with owner financing doesn’t make any difference in your home-buying experience. You don’t need to spend days trying to find an owner-financed home. Our system takes care of this. You shop for a home just the way you would do when you buy a home with a conventional mortgage and can buy ANY home you want.

Owner-financed homes in Houston or anywhere in Texas for that matter are usually difficult to find because not many sellers are willing to extend financing to the buyer. They want to get the full proceeds from the sale on the closing day. But with our system, you can buy any single-family home with owner financing because the owner sells the home to an investor from our network in the traditional way and gets his or her full payment. The investor (not the seller) then owner-finances the home to you.

Usually, people selling owner-financed homes don’t want to sell to a person with bad credit, but since you won’t buy directly from the seller, you don’t need to worry about your credit score.