Bypass the Bank. Buy Your Home.
Owner financing provides a flexible pathway to homeownership for buyers who don't fit into the rigid box of traditional mortgage lending.
See Available PropertiesWhat is Owner Financing?
Also known as seller financing, owner financing is a real estate transaction where the seller of the property acts as the bank. Instead of getting a mortgage from a traditional lender, you make your monthly payments directly to the seller.
This structure bypasses the strict underwriting algorithms of big banks. It allows for flexible terms, lower credit score requirements, and alternative ways to prove your income. You still get the deed, you still build equity, and you still own the home.
- No traditional bank required
- Flexible down payment structures
- Alternative income verification (1099, self-employed)
- Faster closing process
Traditional vs. OwnerFi
Traditional Bank
- • Strict W2 requirements
- • High credit score minimums
- • 30-45 day closing
- • Rigid underwriting
Owner Financing
- • Self-employed friendly
- • Flexible credit history
- • 10-14 day closing
- • Human underwriting
How The Process Works
We've streamlined the owner financing process to make it as transparent and straightforward as possible.
1. Strategy Call
We review your financial goals, down payment capability, and ideal home criteria.
2. Underwriting
We look at the whole picture—not just a credit score—to determine your buying power.
3. Property Match
We find properties in Memphis that fit your criteria and negotiate seller financing terms.
4. Closing
Sign the paperwork, get the keys, and start building equity in your new home.
Frequently Asked Questions
Everything you need to know about owner financing.
Ready to Stop Renting?
Take the first step toward homeownership today. Let's see what you qualify for.
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