Kansas City · Owner financed
These houses are sold directly, with the seller carrying the financing instead of a bank. No mortgage application, no credit score deciding your life, ITIN accepted — on a written installment purchase, a 30-year amortization, and a fixed rate locked with the seller.
Available now
The down payment and the monthly payment below are the real ones, straight from each home's file. Ask us what the monthly covers before you sign — we put it in writing. If a house sells it leaves this page the same day.
Owner financing
Owner financing
Owner financing
Owner financing
Owner financing
Owner financing
Owner financing
Owner financing
Owner financing
Owner financing
Owner financing
Owner financing
The difference that matters
This is an installment purchase — usually a contract for deed, sometimes papered differently to satisfy the law where the house is. Whichever it is, it does the things a purchase does and a rental does not: a purchase price, a 30-year amortization, a fixed rate locked with the seller, and a balance that goes down with every payment. You sign it at a title company with a notary, and you get the document in writing.
From the day you sign you can live in it, put a tenant in it, sell it, or refinance into a conventional loan whenever you qualify — plenty of our buyers do after two years of on-time payments. The seller holds title until the balance is paid or the house is sold, as security, and title transfers then. That is the arrangement, and we will not pretend otherwise.
The process
No underwriter, no three-week wait to find out if you were approved, no explaining your credit history to a stranger in another state.
What you can put down today, and what you can pay every month. That is the whole qualification.
Only houses where those two numbers actually work. We are not going to walk you through something you cannot afford.
Purchase price, down payment, interest rate, monthly payment, and the term. In writing, in your language, before anything is signed.
With a notary, and recorded at the county in your name. You get the keys that day; title transfers when the balance is paid or the house is sold.
Straight talk
Nobody else in this business puts this section on their website. Read it before you call us.
This is the trade. We carry the risk a bank will not, so the down payment is larger than a conventional loan would ask for. If you have nothing saved, this is not the right time yet — and we will tell you that instead of stringing you along.
Also the trade. If you can qualify at a bank, you should go to the bank, and we will say so. This product exists for people banks will not serve.
We quote the figure on the file, and taxes and insurance are real money either way. Ask us in writing whether they are inside your monthly payment or on top of it, before you sign — we would rather answer it now than have you find out at closing.
Plenty of our buyers build two years of on-time payments, then move to a conventional loan at a lower rate. That is a good outcome and we help with it.
In their words
Buyers who closed with owner financing and are paying toward the deed.
Someone calls you — a person, not a recording. Usually within a few hours.
We ask what you can put down and what you can pay monthly. That decides which houses are real for you.
We show you those houses. If none of them work, we tell you and we keep your number for when one does.
Rather talk right now? (913) 513-2656