Why so many renters never try
Most people assume buying means a high credit score, a mortgage approval and a large down payment. With seller financing, the seller is the lender, so none of those are required.
How it works
- Choose a home and tour it.
- Pay the down payment shown on the listing (often a few thousand dollars).
- Make a fixed monthly payment to the seller instead of a landlord.
Compare it with your rent
Every listing shows the estimated monthly payment. Open your city page and type in your current rent to see the homes that come in at or under it.
What changes when you own
Your payments build toward a home that is yours. You can paint, renovate and settle in, and you are no longer exposed to rent increases at each lease renewal.
What to keep in mind
As the owner, repairs are your responsibility. Walk the home carefully, bring someone handy and ask every question before you sign.
Common questions
Can I stop renting if my credit is bad?
Yes. There is no credit check, so your score does not decide whether you can buy.
How much do I need to get started?
The down payment for the home you choose. Each listing shows the exact amount.
Is owning really cheaper than renting?
Often the monthly payment is close to or below local rent. Remember to budget for repairs and upkeep as an owner.
Every listing shows the price, the down payment and the monthly payment up front.
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