719-800-2282
How We Help Buyers
We help credit challenged families get into a home quickly!
If you've been turned down for a mortgage or if your credit score needs help we have a specialized working solution for you!
We're not a traditional real estate company. We're problem solvers - connecting buyers and sellers who have been left behind from the traditional home buying and home selling process. Our owner financed program uses private money to bridge the gap and help our qualified customers become homeowners within 12 months or less!
Here's how our program works for buyers:
1) Browse Available Homes - Explore our current listings. Filter by price, bedrooms, location and availability of owner financing. If the homes inventory that we have available isn't a home that you want, we'll find you a home within two weeks!
2) Submit Your Inquiry - Fill out a brief inquiry form - let us know about your situation, timeline, and the property you're interested in. No credit pull required.
3) We Qualify and Structure Your Deal - Our team reviews your application and structures an Owner Finance Agreement - no bank approval needed at this stage.
4) Move in Your New Home - We place your family in the home. Begin making interest -only payments while we guide you through the credit repair.
5) Refinance and Own it Outright - Within 12 months, refinance into a conventional mortgage and become the official owner - your name is placed on the deed.
How We Help Sellers
Key Benefits:
- 100% Full Appraised Value - No Reductions
- This service is 100% FREE to YOU the seller
- Earn interest-only income for up to 12 months
- Works even if you have a current Realtor listing
Here's How It Works:
We Indentify a Qualified Buyer - Our team finds a pre-screened, motivated buyer who is genuinely interested in your property and ready to enter into an owner finance agreement.
Owner Finance Agreement Structured - We structure a 12-month interest -only Owner Finance Agreement. Your property immediately becomes an income generating asset - payments start right away.
Collect Interest-Only Payments - You receive monthly interest -only payments for up to 12 months while the buyer undergoes credit repair and arranges conventional financing.
Receive 100% Full Appraised Value - The buyer refinances into a conventional mortgage and you receive every dollar of your property's appraised value at closing. No reductions, no compromise.
Already Listed with a Realtor - That is NOT a deal breaker! Simply review your listing agreement to determine if there are any cancellation details or we can have the Realtor paid in full as per your contract with the listing broker when the client refinances. We are happy to work with you to negotiate those terms so we can still move forward and get your property sold at full appraised value!
Owner Finance vs Traditional Mortgage
See how our program stacks up against the traditional home buying and selling process
Frequently Asked Questions
Is this program really free to sellers?Yes — 100% free to the seller. The buyer pays all program fees, including our service fee. You receive your full appraised value at closing with no deductions for commissions or program costs.
What if I don't qualify for a traditional mortgage?
That's exactly who this program is for. We work with credit-challenged buyers who have been turned down by banks. We structure an Owner Finance Agreement that lets you move in immediately while you work on credit repair over the 12-month period.
What happens if the buyer doesn't refinance within 12 months?Our team actively supports buyers through the credit repair and refinancing process. We carefully pre-screen buyers before placing them in a program to ensure they have a realistic path to conventional financing within the 12-month window.
Is this legal? Is it Dodd-Frank compliant?
Yes. All Owner/Buyer Financing transactions through our partner Sidelia Investments are fully compliant with the Dodd-Frank Wall Street Reform and Consumer Protection Act. Every deal is legally structured to protect both the buyer and the seller.
I'm currently listed with a Realtor. Can I still participate?
In most cases, yes. You'll want to review your listing agreement to check for any cancellation clauses or penalties. In most cases the Realtor is paid in full at closing.
How fast can the process close?
In some cases, we can close in as little as 3 days. Unlike traditional mortgages that require 30–60 days of bank underwriting, our process moves much faster because we bypass traditional lending entirely.
What is the minimum down payment for buyers?
Down payment requirements vary by property and are outlined in individual listings. Contact us directly at 719-800-2282 to discuss specific requirements for the home you're interested in.
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SERVICES OFFERED
Our services ensure swift access to custom owner financing options specifically designed for real estate credit challenged buyers and sellers wanting 100% appraised value for their homes.
GET IN TOUCH WITH US
Colorado Office
9AM - 6PM Mon - Fri
Mark@ownerfinancedhomes.us
(719) 800-2282