Our Programs
Three paths to homeownership—designed for your unique financial situation. No perfect credit required. Just a commitment to building equity and stability.
A Program for Every Situation
Based on your available down payment and income, we match you with the right path to homeownership.
Open Market
10% or $30,000+ in available funds
Homes priced $150,000 and above
Shop for any home on the open market. We purchase it and sell it to you through owner financing. Full freedom to choose your dream home.
- 8–11% fixed rate, 30-year term
- Deed in your name at closing
- No balloon payments or prepayment penalties
- 30–45 day close
- ~10% down + ~5% closing costs
Curated Homes
Under $30,000 in available funds
Browse our hand-picked inventory of affordable homes purchased at a discount. Great value with owner financing built in from day one.
- Pre-selected homes at below-market prices
- Owner financing included
- Lower entry point for first-time buyers
- Multiple Texas markets available
- New properties added regularly
Who Qualifies
Our programs are designed to be accessible. If any of these describe you, we can help.
Self-Employed / 1099 Workers
Variable income? No problem. We work with independent contractors and business owners.
ITIN Holders
No SSN required. We welcome applicants with Individual Taxpayer Identification Numbers.
New to the Country
Limited credit history or new to the U.S.? We specialize in helping you build equity.
Past Bankruptcy or Foreclosure
Your past doesn't define your future. We work with you to move forward.
First-Time Buyers
Ready to own but unsure about traditional mortgages? We guide you through it.
Non-Traditional Income
Gig work, rental income, or side businesses? We evaluate your full financial picture.
How It Works
Four straightforward steps from pre-qualification to homeownership.
Apply
Fill out our quick form with your income, available funds, and preferred market. Our bilingual team reviews your application—no credit check to apply.
Program Match
Based on your down payment and income, we match you to the right program: Open Market or Curated Homes. Not there yet? We’ll help you build a plan to get ready.
Underwriting & Closing
Provide a photo ID, proof of funds (bank screenshot or statement), and income documentation. We handle the rest in 30–45 days.
Keys in Hand
Deed recorded at the county courthouse in your name. You're officially the homeowner. Move in and start building equity.
Compare Programs
Find the right path based on your available funds and goals.
| Feature | Open Market | Curated Homes |
|---|---|---|
| Available Funds | 10% or $30,000+ | Under $30,000 |
| Min. Household Income | $5,000/mo | $5,000/mo |
| Home Selection | Any home on the open market | Pre-selected inventory |
| Ownership Structure | Deed in your name at closing | Owner financing from day one |
| Interest Rate | 8–11% fixed | 8–11% fixed |
| Timeline to Close | 30–45 days | 30–45 days |
| Credit Requirement | Flexible | Flexible |
Financing arranged through EQH Financial Limited Liability Company, NMLS #2832795, licensed by the Texas Department of Savings and Mortgage Lending. Licensing.
Not quite ready yet?
You're Not There Yet — But You Can Be
If you don't meet the Open Market thresholds today, it's a starting point, not a dead end. Tell us how to reach you and our bilingual team will help you build a plan to get ready — no pressure, no credit check.
What You'll Need to Apply
Getting started is simple. No lengthy bank paperwork required.
Photo ID
A valid government-issued ID to verify your identity.
Proof of Funds
Bank account screenshot, 401(k) statement, or gift fund letter.
Income Verification
Bank statements (last 30 days), tax returns, or pay stubs showing your income.
That's it. No minimum credit score. No bank approval required. We look at your full financial picture.
Program FAQs
Do I need perfect credit to qualify?
No. We specialize in flexible financing for individuals with varied credit histories. Instead of relying solely on credit scores, we evaluate your full financial picture—income, down payment, and commitment to homeownership.
What if I don't have an SSN?
ITIN holders are welcome. We work with applicants who have Individual Taxpayer Identification Numbers. Bring documentation of your income and we'll guide you through the process.
What counts as proof of funds?
A screenshot of your bank account, a 401(k) or retirement account statement, a gift fund letter from a family member, or your last 30 days of bank statements. We keep it simple.
What if I have less than $15,000 for a down payment?
You can still browse our Curated Homes inventory—pre-selected properties purchased at a discount with owner financing built in. It's a great entry point into homeownership.
Can I refinance into a traditional mortgage later?
Yes. Many of our customers refinance into traditional mortgages after building equity and credit history. There are no prepayment penalties, so you can pay off early without extra fees.
What if I don't qualify for Open Market yet?
That's okay—it's a starting point, not a dead end. If you don't meet the Open Market thresholds yet, tell us how to reach you and our bilingual team will help you build a plan to get ready, whether that's growing your down payment, documenting income, or exploring our Curated Homes inventory. Use the “Not quite ready yet?” section on this page to get on our list.
Ready to Get Started?
Fill out our quick form and a bilingual team member will match you to the right program within 24 hours.
Bilingual support available. Se habla español.