Traditional mortgage not working? There may be another way.
Buy a Home With Seller Financing
You don't need to find a seller willing to finance the home. Get qualified first, then choose the home yourself.
Who Is This Built For?
This program is built for buyers who are underserved by traditional lending, not unqualified. It may be worth exploring if you are:
- Self-employed or a business owner
- A gig-economy or variable-income earner
- A buyer with an ITIN
- A buyer with a low credit score
Exploring this program does not guarantee approval. Approval depends on your full financial picture and is never unconditional while conditions remain.
How It Works
- 1
Get Qualified
Complete a short form and tell us what you are trying to do — before you start shopping.
- 2
Find Your Home
You choose the home you want to buy. You don't need to find a property whose owner offers financing.
- 3
Our Lending Partner Purchases the Home
If the property and transaction meet the program requirements, our lending partner purchases the home.
- 4
It's Sold to You With Seller Financing
Our lending partner resells the home to you with seller financing at closing, so the title is in your name.
Traditional Mortgage vs. Seller Financing
| Traditional Mortgage | Seller Financing | |
|---|---|---|
| Who finds the financing | You need a bank to approve you | You choose the home. We bring the financing. |
| When you're approved | Often after you've made an offer | Before you start shopping |
| Income types accepted | Primarily W-2 | W-2, 1099, self-employed, and other documentation |
| ITIN borrowers | Typically not accepted | Welcome, where the program permits |
This comparison describes general program differences. It is not a guarantee of approval or of specific terms — your actual terms depend on your full file.
Not sure if this fits your situation?
Tell us what you're trying to do and we'll take a look.