Your Path to Homeownership — No Bank Required
Rent-to-own and owner-financed homes across Arizona, Michigan, Texas, Oklahoma and Montana. No minimum credit score. We believe in people, not just numbers.
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.
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.
Available Homes
View AllNew Homes Added Weekly
No spam.
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.
What Our Residents Say
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 G.
Tucson, AZ
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