A different way to buy a home
Buying a Home With a Lower Credit Score
Our seller financing considers credit scores from 560. If a bank said your score was too low, you may still have a path to owning a home in Texas.
How our program looks at credit
Scores from 560
We consider credit scores from 560, below many traditional mortgage cutoffs.
Down payment by score
A stronger score means a smaller down payment, starting at 10%.
Your income counts
W-2s, 1099s, tax returns, or bank statements and P&Ls if you're self-employed.
Real homeownership
We buy the home at closing and resell it to you with seller financing, so the title is in your name.
What you'd need
A quick look at the program. Your exact down payment depends on your answers and the home's price, and our quick survey shows it.
- Credit score
- From 560
- Down payment
- From 10% at 600+, about 12% at 580–599, about 15% at 560–579
- 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 the down payment you'd need for your score and price range.
- 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.
Credit questions
Possibly. Our seller financing considers scores from 560. At 580–599 the down payment is usually about 12%, and you'll need steady income you can document and a home you'll live in.
See what your score could get you.
Answer a few quick questions and see your down payment in about a minute.