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Own Your Dream Home in Texas—Regardless of Credit
We make owner financing simple and fast across Texas—from Dallas to El Paso. No banks, no hassles, just homeownership for everyone.
"We couldn't qualify at a bank, but The Owner Finance Company made owning our home possible in 45 days."
—Maria & Daniel, Austin TX
24-48 hour approval—no bank drama
All credit scores welcome
Bilingual support across Texas
Easy Process
All Credit Accepted
Fast 24-48hr Approval
Secure Process
Flexible Terms
2,500+ applications processed
M&
Maria & Daniel P.
Homeowners
"Very fast process, very friendly people, and everything was explained very well. They always answered all my questions. 100% recommended."
NH
Nathan H.
Homeowner
"The team here are so switched on, have so much knowledge and expertise that they make the whole process of getting into property so simple and easy. Highly recommend them!"
GM
George M.
Local Guide
"I HIGHLY RECOMMEND! They are top-notch professionals, with decades of knowledgeable experience, that can help home buyers with buying challenges."
JG
Jessica G.
Homeowner
"I had filed bankruptcy 2 years ago and thought I'd never be able to buy a home. Now I have keys to my own place!"
We Know What It's Like to Feel Ready But Stuck
You're not alone. These are the frustrations we hear every day:
Bank Said No?
Traditional lenders reject great buyers over credit scores and paperwork
Bad Credit Blues
Your credit history shouldn't stop you from owning your dream home
Tired of Waiting?
Endless applications, denials, and delays - there's a better way
Stuck Renting Forever?
You're ready for a home but feel trapped in the rental cycle
Sound familiar? We have your solution.
→ 4 SIMPLE STEPS
We Make Home Buying Easy
1
Get Pre-Approved
Complete our simple application with a valid ID or Passport & proof of funds. Approval within 24-48 hours.
2
Find Your Dream Home
Browse our available inventory or choose any home on the market.
3
House Purchased
We purchase the home and set up a 30-year loan with fixed interest rates.
4
Move In!
Move into your new home and start making monthly payments.
How We Help Homeowners
Straightforward Financing For All
Accessible Financing
Traditional lenders often have stringent credit score requirements that can be a barrier for many buyers. With us, all credit scores qualify!
Learn more about owner financing here.Quick and Easy Approval
We provide a streamlined approval process, with approvals typically completed within 24-48 hours. To apply, simply submit a valid ID or passport from any country along with proof of funds.
Personalized Guidance
Our bilingual Transaction Coordinators offer personalized support throughout the entire home buying process, ensuring a smooth and stress-free experience!
Real Stories from Real Customers
Join thousands of satisfied homeowners
JR
Jason Ramirez
Homeowner
"Jen and Valerie were amazing and made my family's home buying experience a pleasantry! If it wasn't for them and their expertise, I'd probably still be looking for a home. I couldn't say enough about how much they helped me and my family!"
J
JIREH-Remodeling
First-Time Buyer
"It was a great experience! They helped us buy our first home. They're very professional. I recommend them 100% !!"
RV
Rafael Villasenor
Homeowner
"Very good service, Mr. Rafael guided us very professionally, negotiated the price of the house very well, and we are very happy with him. He has already represented us with another house, thank you very much."
LP
L Patton
Local Guide
"I spoke to someone to find out what the catch was. And to my surprise they are pretty straight forward. 15% down to finance a home with 10% interest but you can refinance for a better rate. I will be purchasing a home with them!"
Why Owner Finance
Your New Home Within Reach
Easy Process
We help buyers gain access to homeownership without traditional financing hurdles from most banks.
All Credit Accepted
Apply with only a valid ID or passport, from any country, and proof of funds. We work with all credit scores.
Secure Financing
We provide secure, fixed-rate loans for peace of mind with fixed interest rates starting as low as 9.9%.
Flexible Criteria
Approving buyers such as foreign nationals, ITIN holders, cash buyers, self-employed individuals, and more!
Guided Support
We promise a transparent and simple financing process that we will guide you through step-by-step.
Investment Growth
We work with investors, helping them grow their real estate portfolios through creative financing.
Universal Mortgage Calculator
Calculate Your Payment
Get an instant breakdown of your monthly mortgage payment with our interactive calculator
$250,000
$37,500 (15%)
9.9%
More Success Stories
VT
Vianh Truong
Local Guide
"For a loan of $190,000 at a 10% annual interest rate for 20 years - Monthly Payment: Approximately $1,833.64. Excellent service and transparent financial details!"
NK
Nick Kay
Client
"It's so great to meet a broker who has your best interests at heart. I can not thank you enough for your Service & Professionalism. You have a customer for life."
KS
Kimberly Smith
Homeowner
"Everyone made this transaction very easy! I highly recommend them!!"
JI
Jesus Izaguirre
Homeowner
"Made it easy buying a home thank you"
Read all reviews on Google Business
Frequently Asked Questions
Get answers to common questions about our financing process
Never Miss a Deal
Get Property Alerts
Be the first to know when new homes that match your criteria become available
Secure & Private
SSL Protected
A+ Rated
Verified Business