Own a home in Ohio without a bank.
If traditional financing hasn't worked for you, owner financing might be the path you've been looking for. No credit check, no bank approval — just a straightforward agreement between you and us.
What is owner financing?
Owner financing — also called seller financing — is when the seller acts as the lender instead of a bank. You make monthly payments directly to us based on terms we agree on together. It works well for people who are ready to own a home but don't qualify for a traditional mortgage. No lengthy approval process, no bank red tape, no waiting months to find out if you qualify.
Three steps to your next home.
Step 1
Reach out — tell us what you're looking for and what you have for a down payment.
Step 2
We find the right fit — we walk you through available properties and explain the terms clearly.
Step 3
Move in — once we agree on terms we handle the paperwork. No bank approval, no credit check.
This may be a good fit if you...
Have been turned down by a bank
Traditional lenders have strict requirements that don't reflect everyone's real financial situation. If a bank has said no, that doesn't mean homeownership is off the table.
Are self-employed or have non-traditional income
Banks often struggle with income that doesn't come from a W-2. Freelancers, contractors, and small business owners are often better positioned than their credit file suggests.
Have a low credit score or no credit history
A low credit score or past financial difficulties don't automatically disqualify you. We look at your overall situation — steady income and a down payment matter more to us than a number on a credit report.
Are tired of renting with nothing to show for it
Every rent payment disappears. With owner financing, your monthly payment builds toward ownership instead of your landlord's bottom line.
A simpler path to owning a home.
Here's how owner financing compares to your other options.
Owner Financing
No bank needed
Terms set directly between you and us
No Credit Check Required
No Bank Approval Needed
Flexible Downpayment
Every Payment Counts Toward Homeownership
Approval Takes Days
Traditional Mortgage
Bank required
Lengthy approval process with strict requirements
620+ Minimum Credit Score
Bank Approval Needed
Typically 3–20% Downpayment
Every Payment Counts Toward Homeownership
Approval Takes 30–60 days
Renting
No ownership
Monthly payments with nothing to show for it
Credit Check Required
No Bank Approval Needed
Security Deposit Instead of Downpayment
Payment Never Counts Toward Homeownership
Approval Takes 1-7 Days
A few straight answers about owner financing
Still have questions? Get in touch and we will walk you through it.
Ready to find out if you qualify?
Reach out and tell us your situation. We'll get back to you quickly with an honest answer