What It Takes to Qualify
These are the general guidelines for our seller financing program. Your specific terms depend on your full financial picture — there's no substitute for telling us about your situation.
At a Glance
Credit Score
560+
We consider credit scores as low as this for qualified buyers.
Down Payment
10–15%
Your exact figure depends on your credit and the details of your file.
Income Documentation
W-2, 1099, self-employed
Bank statements, 1099s, P&L statements, and other alternative income documentation
ITIN Borrowers
Welcome
Qualified ITIN borrowers welcome — no SSN required
Property Type
Primary residences only
Single-family homes, PUDs, Condos and townhomes qualify. Multi-family (2–4 units), Manufactured or mobile homes, Investment properties do not.
Where It's Available
Texas
Generally within major metro areas in these states.
These are general guidelines, not a rate sheet or a commitment to lend. Actual terms depend on a full review of your file, and requirements can vary by transaction.
Think you might fit?
Tell us about your situation and we'll give you a real answer.