Own your home —
no bank required
Rent-to-own and owner-financed homes across Arizona, Texas, Montana, Oklahoma, Michigan, Maryland and Alabama. No minimum credit score — we believe in people, not just numbers.
What's your HomeReadyScore?
Answer a few quick questions and instantly see the rent-to-own homes you're a match for — plus your step-by-step path to owning.
Start the free quiz →Bad credit OK · ITIN accepted · Won't affect your credit
How It Works
Find Your Home
Browse available properties across 5 states. Filter by price, location, and type to find your perfect match.
Get Qualified Fast
Submit a quick application — no minimum credit score required. We review and respond within 48 hours.
Move In and Build Equity
Sign your lease and start your journey to homeownership. Every monthly payment brings you closer to owning your home.
Why throw money away on rent?
See what renting really costs you — and what that same money could do if you owned instead.
Keep renting
Over 5 years at $1,200/mo you'll hand your landlord:
$72,000
…and you'll own nothing. Every dollar is gone for good.
Rent to own
Put a similar payment toward a home that becomes yours:
- ✓ Move in for as little as $2,500 down
- ✓ A portion of every payment builds toward ownership
- ✓ Lock in your purchase price now
- ✓ No bank needed · bad credit OK
Illustration only. Rent-to-own terms vary by home and are set in your agreement.
Do You Qualify?
If you can check these three boxes, you are likely approved.
Down Payment
Cash, cashier's check, or wire transfer
Provable Income
W-2, 1099, self-employed, bank statements OK
Valid ID
SSN or ITIN accepted — no minimum credit score
No credit pull. No obligation. Takes less than 5 minutes.
Not sure if you'll qualify?
Find out in 60 seconds — free.
Get your HomeReadyScore and a personalized, step-by-step plan to qualify for a home — credit, down payment, and everything in between. No credit check.
Get My Free HomeReadyScore →Available Homes
View All
$1,300/mo
RENT TO OWN — 3BR/2BA Remodeled, Only $2,500 Down — Fairfield, AL
6721 Grasselli Rd • Fairfield, AL
$1,600/mo
RENT TO OWN — 3BR/2BA, Only $2,500 Down — Kansas City, MO
3421 E 24th St • Kansas City, MO
$3,200/mo
RENT TO OWN — 3BR/3BA Mesa Home, No Bank Qualifying — 5339 E Hopi Ave
5339 E Hopi Ave • Mesa, AZ
Estimate Your Monthly Payment
Adjust the sliders to see how your down payment and home price affect your monthly cost.
Estimated Monthly Payment
$1,076
Estimate only. Actual terms may vary. Does not include taxes, insurance, or HOA.
What Our Residents Say
★★★★★100% recommend· 7 reviews on Facebook“Joe had a home listing in an area I was very interested in. I had lost my previous house during Covid when my wife got cancer. My credit was now a wreck and somehow Joe made it happen and made it easy. So easy in fact, I was afraid I was being scammed! Everything was done over the internet so it was quick and easy. Thanks for all the help, sir — all was greatly appreciated!”
Joe Esposito
Recommends us on Facebook
“I recommend Joe. He helped us in every aspect that we needed help with. He’s an awesome person — if you’re looking to purchase a house, we appreciate everything he did for our family. Very friendly, very kind, and very attentive to what we need. Thanks Joe!”
George Gonzalez
Recommends us on Facebook
“Joe has been such an amazing landlord, always respectful and extremely understanding. I highly recommend for anyone interested in buying a home to go through this man. You will not be disappointed.”
Jimmy Rodney Velazquez
Recommends us on Facebook
“Easy communication. Everything was done over the phone via text and email. Very descriptive and explanatory on all the paperwork. Would highly recommend.”
Anderson Farms
Recommends us on Facebook
“Joe was awesome working with us finding our new home. He was accessible and helpful with all the questions we had.”
Andrea Medina
Recommends us on Facebook
“Very easy process and I was able to move into my home fast. I would recommend him to anyone who is trying to get a house.”
Marcos Ramirez
Recommends us on Facebook
“Joe was great — he helped us through the steps to getting into our new home and answered any questions we had.”
David James Hawkins
Recommends us on Facebook
A real person reviews every application
No algorithms deciding your future. We look at your whole situation — income, work history, and story — not just a credit score.
Answers in 48 hours
You will hear back from us within two business days, usually sooner. No weeks of waiting and wondering.
Equal Housing Opportunity
We follow all fair housing laws, put every agreement in writing, and walk you through each document before you sign — in English or Spanish.
Ready to Stop Renting?
Take the first step toward homeownership. A real person reviews every application and gets back to you within 48 hours — usually faster.
Get Started Today
Ready to Find Your Next Home?
No application fee. Apply in minutes. Move in fast.
Owner-Financed Homes in 7 States
Browse available properties by state. New homes added weekly.
0+
Families Housed
0
States Served
48hr
Average Response
100%
Bilingual Support