How it works
A clear path—not a rent-to-own shortcut.
Owner financing is a purchase structure. You and the seller agree to terms, and a qualified professional reviews the buyer’s ability to repay.
Four steps to move forward
01
Share your home goals and basic buying profile.
02
Complete a formal review with a residential mortgage loan originator (RMLO).
03
Find an eligible home aligned with the approved profile.
04
Complete property checks, final documents, and closing.
Owner finance vs. rent-to-own
Owner financing: a home purchase with seller-provided financing, documented terms, and a path to ownership from closing.
Rent-to-own: typically a lease with an option to buy later; terms, credits, and ownership timing differ.
RMLO application fee: $150 per applicant, credited at closing. Typical completion is 20–45 days, but timing varies by buyer, seller, and property.
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