Own a Home in Maryland Without a Bank Loan
We finance our own homes directly to the buyer. No mortgage application. No underwriter. No 45-day wait. If you have a down payment and steady income, you can be a homeowner.
Get Matched to a Home
Tell us your down payment and budget — we'll tell you what you qualify for.
The Bank Said No. That Doesn’t Mean You Can’t Buy.
Banks don’t turn people down because they can’t afford a house. They turn people down because of a checkbox. We look at the whole picture instead.
This is who we work with every day
- ✓You’re self-employed, 1099, or paid in cash and can’t show two years of W-2s
- ✓Your credit took a hit from a divorce, a medical bill, or a rough stretch you’ve since recovered from
- ✓You’ve got a bankruptcy or foreclosure in the rearview and you’re still inside the bank’s waiting period
- ✓You’ve been renting for years and have nothing to show for it
- ✓You have money for a down payment but not a paper trail a bank will accept
If you can put money down and make a payment every month, we should talk.
How Owner Financing Works
You put 10–20% down at closing.
Your down payment is what gets you the keys. The stronger your down payment, the better terms we can offer you. This money goes toward the purchase price — it isn’t a deposit or a fee.
You make monthly payments directly to us.
One payment, one place. Your payment covers principal and interest, and we’ll walk you through exactly what it looks like before you ever sign anything. No servicing surprises, no loan getting sold off to a company you’ve never heard of.
We close at a licensed title company, on the record.
This is a real closing with a real title company. Title is searched, the deed is recorded, and the loan is recorded against the property just like a bank loan would be. You get a written note and a payoff schedule. You’ll know your rate, your payment, and your term in writing before closing day.
You are the homeowner.
You build equity with every payment. You paint the walls, redo the kitchen, put up a fence. You claim the property taxes. When you’re ready, you can refinance into a traditional mortgage and pay us off — or just keep paying us until it’s free and clear. The home is yours.
No realtors. No bank applications. No waiting.
We Underwrite Differently
We do review your income and your ability to make the payments. This protects you as much as it protects us — we don’t want to put anyone into a home they’ll lose. We are not a “no questions asked” program, and we’ll be straight with you if the numbers don’t work.
What to Have Ready
- ✓Your down payment. 10–20% of the purchase price, in verified funds at closing.
- ✓Proof of income. Bank statements, 1099s, pay stubs, invoices, Schedule C — whatever shows what you actually bring in.
- ✓Photo ID.
- ✓A realistic monthly budget. Come knowing what payment you can comfortably make every single month, including taxes and insurance.
That’s the list. There’s no application fee to talk to us.
Straight Talk Before You Call
We’d rather tell you this now than three weeks in:
- •The rate is higher than a bank’s. We’re taking the risk a bank won’t. That’s the trade.
- •The down payment is real money and it’s non-refundable at closing. Don’t put down money you can’t afford to commit.
- •Missing payments has consequences. This is a real mortgage obligation. If you stop paying, you can lose the home and the equity you’ve built, the same as with any lender.
- •Your down payment sets your terms. More down means a lower payment and a better rate.
- •Most of our buyers refinance eventually. We’ll tell you what to work on so a bank will take you in 24–36 months, and we’re happy to be paid off early.
Questions, Answered Straight
Do you run credit?
We may pull credit to understand your full situation, but a low score by itself does not disqualify you. We’re looking at the story behind the score.
Is this rent-to-own or a lease option?
No. You’re the owner from day one. The deed is recorded in your name at closing and you begin building equity immediately.
What if I’ve had a bankruptcy or foreclosure?
That’s a large share of the people we work with. We care that it’s behind you and that your income is stable now.
Can I refinance into a regular mortgage later?
Yes, and we encourage it. There’s no prepayment penalty. Pay us off whenever you’re ready.
Who pays property taxes and insurance?
You do, as the owner. We’ll go over exactly how that’s handled before closing so there are no surprises.
Can I make repairs or improvements?
It’s your house. Renovate it however you want.
How fast can I close?
Once we’ve agreed on terms and title is clear, typically two to three weeks — not two to three months.
Do I need a realtor?
Not to buy from us. You’re welcome to bring your own agent or attorney to review anything, and we recommend you have the documents reviewed before signing.
Let’s Find Out What You Qualify For
Tell us your down payment and your monthly budget. We’ll tell you honestly what we can put you in — today, not in six weeks.
Get Matched to a HomeOwner financing is offered on select properties and subject to approval of income and ability to repay. Terms, rates, and down payment requirements vary by property and buyer. All financing terms will be disclosed in writing before closing. Equal Housing Opportunity.