What is Owner Financing? – The Oak Leaf Company

What is Owner Financing?

What is Owner Financing?

Owner financing means that when we agree to sell you a home, you will pay a one time down payment and then a monthly payment to us, instead of making payments to a bank. We’ll agree to a term to help you with your financing, until such time, you refinance the home with your own conventional bank loan. This term is negotiable, but is generally 3-5 years.

Our down payments typically range from $10K and up. And, your monthly payment will be slightly higher than a conventional bank loan.

So, What are the Benefits of Owner Financing?

Owner financing allows buyers to get into a home while experiencing one of the following conditions:

  • Bad Credit
  • No Credit
  • Started a New Business and don’t have enough financial history to qualify
  • Faster to Qualify and Get into a Home
  • Cheaper Closing – No bank fees or closing costs

If you would like to see our Owner Finance Home Inventory and be notified of upcoming properties… 

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What Our Clients Say...

"These guys deliver!"

If you’re looking for an Owner Finance home, simply tell us a little about yourself and what you’re looking for, and we’ll send you a list of available homes for you to look at!

Rated an average of 4.8 out of 5 stars by 4 reviewers.

Fast!

5/5
"I needed to sell a home in 48 hours. Your team of investors was able to get the deal done!"
by - Lane R.

Wow, thank you

5/5
"I considered selling the home quickly for cash but then decided to let them try to list it for me first (with their cash offer as a backup). As it turned out, they found me a buyer and I made more money!"
by - Saundra E.

Great Work!

5/5
"Thanks guys, keep up the good work!"
by - Martie S.

Incredible Service!!!

5/5
"I live in Ohio and needed to sell a home I inherited in Austin. You guys bought it for cash in less than a week."
by - Tom B.

Frequently Asked Questions

What if I have bad or no credit? Can I still get into a home?

Yes, owner financing allows you to get into a home without having to qualify for a bank loan. Every situation is different, but we specialize in helping people get into a home, while working on their credit and getting back to a place of having good credit. Even if your credit is bad, you can still own a home!

How long does it take to get into a home?

From the time you see the property until move-in is usually 7-12 days.

How do I tell you about a home I'm interested in?

We’ll contact you by email with the homes that we have available. Simply reply to that email and let us know which home you would like to see and we’ll make arrangements to meet you at the home so you can walk through it. 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.

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