Frequently Asked Questions

General questions about our company, service, and properties we offer on this website:

  • What does Owner Finance actually mean?
  • What is the Owner Finance process?
  • Do appliances or furniture come with a Owner Finance home?
  • What if I have bad credit? Can I still get a Owner Finance home?
  • Is there a down payment on a Owner Finance home?
  • What are the benefits of a Owner Finance home?
  • What are the requirements of a Owner Finance arrangement?

What does Owner Finance actually mean?

In most cases, a owner finance agreement is a contract on a property that works like a traditional loan from a bank but with easier qualification standards.

The process is easier than going to the bank to get a loan because we provide the loan in house. We review your credit and information provided in the application and we’re able to make a determination. Sometimes we will use a 3rd party licensed loan originator to process the loan. 

We are able to work with you on a down payment and monthly payment that will allow you to afford the house of your dreams and help you to stop renting and start owning.

Many times, as the buyer, you will look to refinance your loan with us within the first 5 years of owning. 

We help lots of folks like you to purchase the home of their dreams.

Fill out the form below to get started on your way to home ownership!

What is the Owner Finance process?

The owner finance process is actually pretty simple.

Once you’ve seen one of our fantastic properties, we’ll give you an application to fill out. Don’t worry – we help people with all kinds of credit and financial situations, and if you can afford the property, we can probably help you to own it.

After you’re approved to buy the property, just sign the paperwork, pay your deposit and then move on in!

That’s the process!

Once you’ve completed your mortgage, you’re done – now you own your home!

First step – sign up to find great properties around San Antonio just by filling out the form.

You’ll get immediate access to great owner finance homes, plus a whole lot more.

Sign up and get started now!

Do appliances or furniture come with a Owner Financed home?

Most of the time, furniture isn’t included with an owner finance purchase.

Generally, the basic appliances are there – like a refrigerator, stove, oven, and sometimes extras, like a dishwasher, a washer and a dryer. Parts of a property that are installed or attached – like the heating system and air conditioning – are definitely included.

Sometimes, we’ll offer a property that includes some furnishings. Most buyers want to bring their own stuff with them from their previous home, and that’s why furniture is sold separately.

Don’t wait! Fill out the form at the bottom of this page to get started now.

What if I have bad credit? Can I still get a Owner Financed home?

Yes you can! Many people with bad credit can still get an owner financed home.

Every situation is different, but we specialize in helping people who have been through tough circumstances (or just made mistakes in the past) to repair their credit and get started on the path to a great financial future.

Even if your credit is bad, you can still own a property!

One of the major benefits of an owner financed scenario is that it gives you time to repair your credit. You’ll enjoy many of the benefits of home ownership while you’re rebuilding your credit and saving money towards a down payment.

So fill out the form at the bottom of this page now and get your piece of the American dream!

What are the benefits of an owner finance home?

There are a lot of benefits of an owner finance agreement!

In the San Antonio area, lots of smart people are using owner finance agreements as a way to get the home of their dreams without having to qualify for a bank loan right away.

In the past few years, banks have been very tight on their lending criteria. Most people who use an owner finance agreement want a few years to get ready to qualify for traditional bank financing.

Here are a few more reasons to use an owner finance agreement:

  • Own without great credit or a big down payment. You can start feeling like a homeowner right away while saving up and improving your credit.
  • Move in fast. Since you don’t have to wait for a mortgage, you can often move in right away – and get started living a new life in the home of your dreams!

So don’t wait! Get started now by filling out the form at the bottom of this page.

Is there a down payment on an owner financed home?

Yes there is. There is a risk to the seller that you as the buyer might stop making payments. Since it’s easier to get into an owner financed home, the seller needs some payment up front in order to offset that risk.

There is usually an amount due upon move-in and execution of the to purchase agreement.

Just like any other purchase agreement in San Antonio, there may be a deposit and a small application fee in addition to the fee upon move-in . Of course, you’ll have to pay your mortgage each month.

We can help you to structure the perfect scenario to meet your needs. We’ll show you the owner finance calculators and formulas we use when we prepare your agreement, and help you figure out what’s best for you.

So don’t wait! Get started now by filling out the form at the bottom of this page.

What are the requirements of an owner finance arrangement?

We know that every person, family and situation is different.

We do our best to help you uncover creative solutions to help you own the home of your dreams.

Once you’ve had a chance to check out the house, you’ll fill out an application that will include detailed information on everyone living in the home.

We’ll conduct a credit check and verify the income(s) for everyone over 18 who is living in your household to confirm that you’ll be able to make your monthly payment.

People with bad credit, no credit, limited cash available, and other financial situations have all been able to purchase their perfect piece of real estate if the other parts of their application are strong.

We’ll speak with your references and previous landlords, because relationships matter to us more than just scores assigned by a computer.

We love helping great folks to reach their dreams, so don’t be afraid – fill out the form below to get started!

See Available San Antonio Owner Finance Homes ›