Own Your Home
With Just $10,000 Down
No bank needed. No perfect credit required. ITIN accepted. Close through a licensed title company in as few as 7 days. You own the home from day one.
Quick Qualification Check
$10,000 minimum down payment
More down = lower monthly payments
Provable income
W-2, 1099, self-employment, or bank statements
Valid ID (SSN or ITIN accepted)
No credit score minimum required
Free application. No credit pull. Results in minutes.
50+
Families Housed
7
States Served
7-Day
Average Close
$10K
Minimum Down
How Owner Financing Works
We cut out the bank and finance the home directly to you. Three simple steps to homeownership — no mortgage company, no endless paperwork, no waiting.
Apply in Minutes
Fill out our simple application — no credit check required. Tell us about your income, down payment, and where you want to live. You will hear back within 24 hours.
Choose Your Home
Browse our available properties across 7 states. Schedule a showing at any time. Once you find the right fit, we lock in your price — no bidding wars.
Close & Move In
We close through a licensed title company — just like a traditional sale. You receive a recorded deed and own the home from day one. Most closings complete in 7-10 business days.
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.
Featured Properties
Homes available now with owner financing. New listings added weekly.
New listings are added weekly. Apply now and we will notify you as soon as homes become available.
Get pre-qualified so you are ready when the right home appears →Estimate Your Monthly Payment
Adjust the sliders to see how your down payment and home price affect your monthly cost.
Estimated Monthly Payment
$795
Estimate only. Actual terms may vary. Does not include taxes, insurance, or HOA.
Real Families. Real Homes.
Hear from people who went from renting to owning — without a bank.
“After being turned down by three banks because of my credit, EZ Owner Finance approved me in two days. We closed in 8 days. My kids finally have a yard.”
Maria R.
Tucson, AZ · January 2026
“I am self-employed and no bank would work with me. Joseph walked me through the whole process. The title company handled everything professionally. I own my home now.”
Carlos M.
Dallas, TX · November 2025
“We used our ITIN and it was not a problem. The process was exactly what they said — $10K down, signed at the title company, and we got our keys. No hidden fees.”
Ana & Jorge L.
Phoenix, AZ · December 2025
Frequently Asked Questions
Everything you need to know about buying a home with owner financing.
Ready to Stop Renting?
Get pre-qualified in minutes. No credit check. No obligation. Your path to homeownership starts here.
Owner-Financed Homes in 7 States
Browse available properties by state. New homes added weekly.