Our Program
The First & Most Trusted Third-party Owner Financing Program in the Industry.
The CreditFree Homes Advantage
At CreditFree Homes, we remove the barriers of traditional financing, making homeownership accessible to those with low credit scores, non-verifiable income, or past financial setbacks. Our Third-Party Owner Financing Program offers a simple, transparent path to owning a home—without bank hassles.
How Our Program Works
✔ Choose Your Home – Pick any qualifying single-family home in your preferred location.
✔ Flexible Financing – No credit checks or income verification—just a focus on your ability to pay.
✔ Simple Terms – Clear, upfront agreements with no hidden fees or surprises.
✔ Build Your Credit – Improve your credit score over time with consistent payments.
✔ Full Ownership – Unlike rent-to-own, you’ll own the deed once payments are complete.
Why Choose CreditFree Homes?
✅ No Credit Checks – We look at your payment ability, not your credit score.
✅ No Home Restrictions – Choose a home that fits your needs.
✅ Transparent Process – Clear terms, no hidden fees.
✅ Long-Term Stability – You own the home once payments are complete.
✅ Expert Guidance – Our team supports you every step of the way.
Is This Program Right for You?
🏠 Have you been denied a mortgage?
💼 Do you have non-verifiable income?
🔑 Need more flexibility in financing & home choice?
If you answered yes, CreditFree Homes can help!
How Does it Work
1 - Free Consultation
Schedule a FREE Consultation with an Owner Finance Specialist to learn how the program works and decide if it is a good fit for you.
2 - Start looking at houses
Once you have registered you can start searching for your dream home and make an offer right away.
3 - Enjoy your new home
We have helped thousands of people like you who had given up on homeownership to find their dream homes. We can help you too.
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All Credit Qualifies
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Foreign National Welcome
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Stated Income Accepted
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Self-Employed
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No Time on Job Requirement
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No Prepayment Penalties
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No Balloon Payment
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No Income Verification
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No Sourcing or Seasoning of Funds
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Choose Any Home on the Market
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Rebuild Your Credit
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Full Transparency Program
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Safe and Trusted Process
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What is this program about?It connects homebuyers with investors to finance homes—no banks, credit checks, or income verification required.
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What do I need to qualify?A stable ability to make monthly payments and a down payment (if applicable). No credit score or job verification needed.
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Is this like rent-to-own?No—this is true ownership. Once terms are completed, you own the home and the deed is in your name.
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Can I choose any home?Yes! You can select any qualifying single-family home in Texas, new or resale.
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Will the deed be in my name?Yes, once you fulfill the financing terms.
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Do I need to apply for a loan?No traditional loan application is required.
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What if I miss a payment?As with any home financing, missed payments can lead to foreclosure. It’s crucial to stay current.
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Do I need insurance?Yes, homeowners insurance is required.
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I don’t have a realtor. Can you help?Yes, we’ll connect you with a trusted realtor partner.
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I’m self-employed with no verifiable income—can I qualify?Absolutely!
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My credit was damaged during COVID—am I eligible?Yes. Poor credit due to past hardships doesn’t disqualify you.
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Is it really no credit check?Yes. We base decisions on your ability to pay, not your credit report.
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Who are the investors?Private individuals or groups investing in real estate to support homeownership.
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How fast can I move in?Typically, within a few weeks after approval and paperwork completion.
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Do you offer training?Yes, we provide free online training to help you understand the process.
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Where is this program available?It’s currently offered throughout Texas.
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Is training in person?No, it’s 100% online and self-paced.
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What are the interest rates?They vary by property and buyer but are always fair and transparent.
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Do both spouses need to attend training?Not required, but encouraged for shared understanding.
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How long is the training?Just a few hours, done at your own pace.
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Will I get a pre-approval letter?No, we don’t issue traditional pre-approvals. We match based on your situation.
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Is there a training fee?Nope—it’s completely free.
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Can I buy a brand-new home?Yes! New construction homes that qualify are welcome.
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Can I buy a resale home?Definitely—any qualifying resale home is eligible.
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I’m a foreign national. Can I still qualify?Yes!