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Owner Financed Homes for Sale in Houston

Welcome to, your one-stop source for Houston, TX, real estate. In our system, you can buy ANY HOME with owner financing with stated income as long as the home is in loanable condition. All credit qualifies. 

State-of-art Property Search

Use our state-of-the-art property search, including an interactive map search, to find homes for sale in Houston, TX. These listings are updated daily from the MLS.

And, for your convenience, be sure to register for a free account to receive email notifications whenever new homes for sale come on the market that match your specific criteria, and save your favorite properties for quick and easy access whenever you need — it's fast, easy, automatic and FREE! With a Property Tracker account, you'll be among the first to know about the newest homes for sale in Houston, TX.

Owner Financing in Houston

If you are struggling to get a conventional mortgage, our unique owner financing program can help you buy any home you want in Houston and Texas. You just need to save enough for a down payment.

You don’t need to take out a mortgage from a conventional bank under an owner financing arrangement, all credit qualifies and you can buy with stated income. We have minimum down payment requirements that you should be able to meet in order to buy a home with owner financing in Houston and anywhere else in Texas.

How Our System Works

Usually, owner financing comes with several strings attached. You may be asked to make a balloon payment and may have to pay prepayment penalties if you decide to refinance your mortgage with a conventional lender in the future.

In our system, there won’t be any balloon payments and you can rebuild credit as your timely payments are reported to credit bureaus regularly. You can refinance with a conventional lender when you have improved your credit score. There won’t be any prepayment penalties if you decide to pay off your loan before the amortization period.

Some other advantages of buying owner financed homes in Houston and Texas with our program include:

  • Any credit score can work with our system
  • Stated Income
  • All Credit Qualifies
  • No Sourcing or Seasoning of Funds
  • No Time on Job Requirements
  • Self Employed OK
  • Foreign Nationals OK
  • Tax Identification Number OK

The fact that you are buying with owner financing doesn’t make any difference in your home buying experience. You don’t need to spend days trying to find an owner-financed home. Our system takes care of this. You shop for a home just the way you would do when you buy a home with a conventional mortgage and can buy ANY home you want.

Owner financed homes in Houston are usually difficult to find because not many sellers are willing to extend financing to the buyer. They want to get the full proceeds from the sale on the closing day. But in our system, you can buy any home with owner financing because the owner sells the home to an investor from our network in the traditional way and gets his or her full payment. The investor (not the seller) then owner-finances the home to you.

Usually people selling owner-financed homes don’t want to sell to a person with bad credit, but since you won’t buy directly from the seller in our system, you don’t need to worry about your credit score.

Want to Learn How TL Global System Works?

Grab a copy of this must-read book if you've struggled to get traditional bank financing to purchase your dream home. Authored by our founder Til Lowery – a real estate investor, trainer, and humanitarian – the book shares details of the revolutionary TL Global System - a proprietary real estate strategy that has become a social conscious movement.

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    Angel & Francis
    Angele and Francis bought their with home with owner financing after moving to America just 11 months earlier. They are now enjoying the home with their 3 beautiful children.
    After 3 years unsuccessfully trying to buy a home, Angela finally got her dream home with owner financing. Scheduled to close just days after hurricane Harvey struck, her "miracle home" was the only home not to flood in a neighborhood that had several feet of flooding even a week after the hurricane.
    Referred by her loan officer, Rick, Barbara was able to finally get her dream home on the water in Galveston.
    Araceli (in Spanish)
    Araceli and her family relocated from California. Self employed and unable to qualify for a loan, they used our program to get owner financing on a brand new home.
    Steve and Cheryl
    After a previous divorce and loss of credit, Steve was able to acquire a new home for him and his girlfriend with the help of Til Lowery.
    Aicha and her family purchased a brand new 5 bedroom home with owner financing and were so grateful to own a home even better than they thought was possible!