Why no credit check?
Banks rely on credit scores to price risk. When the seller finances the sale, the down payment and the home itself secure the deal, so a credit report is not needed.
Who this helps
- Buyers rebuilding after a hard few years
- People with little or no credit history
- Self-employed buyers whose income is hard to document
- Anyone tired of being told no by a bank
What you will need
The down payment for the home you choose, and the ability to make the monthly payment. That is it.
Common questions
Will buying this way build my credit?
Seller payments are not always reported to credit bureaus. Keep your payment records; they can help if you refinance later.
Do you check income or employment?
No. You decide what payment fits your budget.
See homes you can buy this way
Every listing shows the price, the down payment and the monthly payment up front.
View Available Homes