FAQ
Questions People Ask Us
I've got bad credit, Can I
really still buy?
Yes. We don't approve you on a credit score, we look at your income and whether you can comfortably afford the monthly payment and down payment. Rough credit won't stop you if the numbers work.
How much are the down payment and monthly payment?
It depends on the home, and our terms are flexible. Every listing shows an estimated monthly payment, and we'll walk you through the exact numbers on any home you like.
What do I actually need
to qualify?
Steady, verifiable income, a down payment, and enough monthly budget to comfortably cover the payment. That's it, no bank and no perfect credit required.
Honestly, is this a
scam?
Fair question, and you should ask it. We're a local San Angelo team with 34+ years and over $1B in real estate, real homes, and real families getting their keys right here on this page.
Do I really own the home,
or is this just renting?
You truly own it. From day one the home is yours, and every payment builds toward paying it off. We're the bank, not your landlord.
What if I'm not ready to buy,
do you rent too?
Yes. If buying isn't the right step for you yet, we also offer quality homes for rent in the San Angelo area. Tell us what you're looking for, and we'll help you find a home that fits your needs.
What is owner
financing?
Owner financing means we finance your home directly instead of a bank. You make a down payment, then simple monthly payments to us until the home is paid off. You own it from day one, and we qualify you on your income, not your credit score.
Can I sell or refinance the
home later?
Yes. You own the home, so you can sell it or refinance into a traditional mortgage down the road, just like any other homeowner. Many buyers use owner financing to get into a home now and refinance later once their situation improves.
What areas
do you serve?
We're based in San Angelo and serve families across West Texas. We also have owner-financed homes in the Fort Worth and Dallas areas, and we finance homes in multiple Texas markets. Reach out and we'll tell you what's available near you.
How soon can
I move in?
Because there's no bank underwriting, owner financing moves faster than a traditional mortgage. Once we confirm your income and agree on terms, you sign simple paperwork and get your keys. Ask about a specific home and we'll give you a realistic timeline.
How is this different from
rent-to-own?
With rent-to-own you're still a renter hoping to buy later. With owner financing you own the home from day one, and every payment builds toward paying it off. You're the owner, not a tenant, and we're the bank, not your landlord.
What happens if I miss
a payment?
Life happens, and we'd rather talk it through than surprise you. If you're worried about a payment, call us early. We're a local San Angelo team, not a faceless bank, and we work with families to keep them in their homes whenever
we can.