Owner-Financed Homes

A home today.
A mortgage
when you're ready.

We put you in the home you deserve now — and walk alongside you until you qualify for your own mortgage. No bank required to get started.

Browse available homes How it works ↓

The process

From renter to owner —
in a few simple steps

We've removed the obstacles banks create. Here's exactly how we get you into a home and on the path to traditional ownership.

01

Apply in minutes

Tell us about your situation — income, family size, location. No credit check required to get started.

02

Choose your home

Browse our available owner-financed properties and find the home that fits your family and budget.

03

Move in

Sign your owner-finance agreement and get your keys. You're building equity from day one.

04

Qualify & own it

We coach you through credit repair, savings, and the mortgage process until you refinance into your own loan.

Available now

Homes ready for you
to move into today

Every home below is available with owner financing. Just 10% down — no bank approval needed.

European farmhouse Cumming GA
Available
New 2025
Cumming, GA — Forsyth County
$1,445,000
10% down · $144,500 to move in · No HOA
5 beds· 5 baths· 1.64 acres
Owner financed3-car garage60x40 workshopOutdoor fireplaceChef's kitchenMedia room
Traditional home Dressage Cumming GA
Available
Top schools
Cumming, GA — West Forsyth
$645,000
10% down · $64,500 to move in
4 beds· 3 baths· 2,599 sqft
Owner financedScreened porchRenovated suitePool communityFenced backyard
Lakefront home Rockwall TX
Available
Lake views
Rockwall, TX — Lake Estates
$409,900
10% down · $41,000 to move in · No HOA
5 beds· 3 baths· 2,639 sqft
Owner financedLakefront lotCovered patioSplit floorplanRenovated kitchen
Contemporary new build Knoxville TN
Available
New 2024
Knoxville, TN — 4 min to downtown
$449,999
10% down · $45,000 to move in · No HOA
3 beds· 3 baths· 2,250 sqft
Owner financedNo carpetSpa primary suiteElectric fireplace9-ft ceilings
Home in Wimberley TX Hill Country
Available
Hill Country
Wimberley, TX — near Jacob's Well
$449,000
10% down · $44,900 to move in
4 beds· 4 baths· 2,676 sqft
Owner financedTwo lotsHot tub + poolCorner fireplaceSunroom

Who qualifies

Built for people banks
have overlooked

⟳

Recent credit setbacks

Medical debt, a job loss, or past financial hardship shouldn't lock you out of homeownership permanently.

◈

Self-employed or gig workers

Your income is real, even if it doesn't fit neatly on a W-2. We look at the full picture.

◇

New to the U.S.

Building credit history from scratch takes time. You deserve a home while you build that foundation.

△

Almost qualifying

Just a few points short of a conventional loan? We bridge the gap and get you there faster.

"

I was turned down by three banks. Keys Without Credit had me in my home in under a month — and two years later, I refinanced into my own mortgage.

— Maria T., Houston TX · Homeowner since 2022

Get started

Your keys are closer
than you think

Leave your name and number and we'll reach out within one business day to discuss available homes and next steps.

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