Your options
- Seller financing: buy directly from the owner, no credit check.
- Government-backed loans: some accept lower scores, but still check credit and income.
- Co-signer: a family member qualifies with you.
- Wait and rebuild: improve your score, then apply for a mortgage.
Why seller financing is often the fastest
There is no underwriting, so you can move in within days of choosing a home, and you can still refinance with a bank later once your credit improves.
Common questions
What credit score do I need?
None. We do not pull credit.
Does a past bankruptcy or eviction matter?
No. We do not run background or credit checks.
See homes you can buy this way
Every listing shows the price, the down payment and the monthly payment up front.
View Available Homes