Owner Finance Home – The Oak Leaf Company

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Owner Finance Home

If you’re tired of renting, and you want to own a home in Texas but your credit, lack of down payment, or income is holding you back from qualifying for a normal bank loan. The Oak Leaf Company can help you!

In the past few years, banks have been very tight on their lending criteria. Most people who use a rent to own agreement want a few years to get ready to qualify.

Owner Finance Home

Here are a few more reasons to consider owner finance home:

So don’t wait! We are an alternative to buying a home the traditional way. You do not need to have perfect credit and we offer payments to fit your budget. You are not renting the property or renting to own. You are buying it without the bank. Get started now by filling out our form.

Houston Owner Finance Home

Houston Owner Finance Home

If you are having problems to get a conventional mortgage, our unique owner financing program can help you buy any home you want in Houston, Texas. You just need to save enough for a down payment.

You don’t need to take out a mortgage from a conventional bank under an owner financing arrangement, so there is no need for credit check or income verification. We have minimum down payment requirements that you should be able to meet in order to buy a home with owner financing in Houston and anywhere else in Texas. Learn more about Houses for Sale  by Owner Finance.

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 do when you buy a home with a conventional mortgage and can buy ANY home you want.

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 in our system, you don’t need to worry about your credit score.

Owner Finance Home Houston

If you would like to buy a home, you have cash saved up to put down as a down payment but you can NOT qualify for a conventional mortgage loan, then you might want to consider purchasing a home under owner finance.

If you have been not being able to qualify for traditional bank financing, you’re not alone, good news is we can help solve your problem. The sellers of the homes that we list offer Owner Financing terms making qualifying very easy for you.

Owner Finance Home Houston

We make it very easy to own your own home… to have a place that you can claim as your own and be a proud homeowner. Nearly every one of our past buyers had been turned down again and again and again by banks and mortgage brokers… even banks that advertised “bad credit okay.” They never thought they’d be able to actually buy a home for themselves and their family until they got into our program.

If you like what you see, let us know and The Oak Leaf Company will help you get started and get you the list of properties we have available… if, on the other hand, you decide it’s not for you, that’s not a problem.

To get started just fill out the form on our website and one of our owner finance specialists will contact you.

Owner Finance Home Near Me

Your first step is to find a home that seller is willing to owner financing. There are a lot of ways you can find an owner financed home.

Owner Finance Home Near Me

At The Oak Leaf Company, we can help you learn how to buy any home with owner financing in Houston, Texas. We match you up with an investor who buys the home on your behalf and owner finances it to you. You are also assigned a realtor who helps you find your dream, negotiates on your behalf, prepares a contract and gets you through the closing process, at no additional cost to you.

Everything works just like it does when you buy with a conventional mortgage. It is different from typical owner financing arrangements where balloon payments, pre-payment penalties and other similar restrictions are standard practice.

Also, you won’t be able to buy any home you want because most sellers like to get all the cash up front on the closing day. Owner/seller financing is a great option for buying a home in Houston, particularly if you are struggling to get a conventional mortgage.

Why Owner Finance A Home

Have you recently found out you don’t qualify for a traditional mortgage because of some regulation that prevents the bank from lending to you? Perhaps you recently changed careers or you own you own business and the bank doesn’t like your income. You might have had a bankruptcy or other hardship that has now blemished your credit report. Late payments or medical bills. All of these reasons will make a bank say no to you when you try to purchase a home.

Why Owner Finance A Home

Even people with great credit scores and nothing really wrong with their situation get turned down for second homes or homes that just don’t conform with the banks requirements. Owner financing is a good option for home buyers, who can pay monthly payments directly to the seller instead of dealing with the bank. It is a more flexible arrangement and avoids all the hassles and cumbersome procedures that you encounter with bank loans.

All of these issues can be resolved with owner financing and a down payment that the seller is looking for. This is the seller’s assurance you’re going to make your payments every month. The seller acts the same as a bank, you will get a deed to the home when you purchase it.

Give The Oak Leaf Company a call today so we can help you buy your dream house. We’ll also answer any questions you have, including the monthly payment and the down payment. When you’re ready to move forward, we’ll have you submit an application and start the process.

What Is Owner Financed Homes

What Is Owner Financed Homes

Owner financing witnesses the owner of a property step into the role of a traditional lender. In its simplest form, however, owner financing is exactly what you’d expect: the individual responsible for selling the property will simultaneously act as the bank for the respective buyer. Often referred to as “creative financing” or “seller financing,” owner financing awards prospective buyers the opportunity to sidestep traditional financial institutions and seek financing from the individual actually selling the home.

In order for owner financing to work, there are a few important criteria that must be met for things to move forward. First and foremost, the owner of the subject property must own it free and clear; they must be in an equity position no less than 100 percent. Additionally, the two parties must agree to terms. More often than not, the latter poses more of a threat to facilitating an owner financed deal because most sellers aren’t even familiar with the concept. Therefore, in addition to the owner maintaining a 100 percent equity position on the home, they’ll need to be convinced that owner financing is right for their particular situation.

Here at The Oak Leaf Company, we will explain in detail how owner financing works and how it’s a great alternative financing option for credit challenged home buyers. We will demonstrate how owner financing is a good option for you. We will help you find your dream home and help you learn how you can buy that home with owner financing without credit check or income verification.

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