A different way to buy a home
Denied a Mortgage? You May Still Have Options.
A bank's no isn't always the end of the road. Our seller financing has its own guidelines, so buyers a traditional lender turned down can sometimes still buy a home in Texas.
Where our guidelines differ
Credit from 560
We consider scores below many traditional mortgage cutoffs.
Flexible income proof
W-2s, 1099s, tax returns, or bank statements and P&Ls if you're self-employed.
ITIN buyers welcome
No Social Security number required.
A clear answer
Our quick survey shows what you'd need, or what's standing in the way.
What you'd need
Our program has its own requirements. Being denied elsewhere doesn't mean you'll qualify here, but many buyers do.
- Credit score
- From 560 (ITIN buyers can qualify without a score)
- Down payment
- From 10%, depending on your credit, income documentation, and the home's price
- Income
- Steady income you can document
- The home
- Single-family homes, townhomes, and condos in Texas, priced $150,000–$3,000,000
- Occupancy
- Must be your primary residence (no investment properties)
- Loan
- 30-year fixed
General program terms, not an offer. Final rate, payment, and terms are based on approval. Higher-priced homes may need a larger down payment.
How it works
- 1
Answer a few questions
Tell us about your credit, income, and price range. It takes about a minute.
- 2
See your requirements
We show what you'd need, or what's holding you back.
- 3
Pick your home
Choose a home. We buy it at closing.
- 4
Move in
It's resold to you at closing with seller financing, with the title in your name.
Questions after a denial
Our program uses its own guidelines: credit scores from 560, income documented with bank statements or a P&L, and ITIN buyers. If one of those is why a bank said no, you may still qualify with us.
Find out where you stand.
Answer a few quick questions and see what you'd need in about a minute.