MissouriHomeowner.com Rent to Own Homes

First of all.....What does Rent to Own and Owner Financing really mean?

"Rent to own" is a generic term applied to many different types of non-traditional agreements and financing. There are many people using the term in a variety of ways and it doesn't always mean the same thing. In some cases, Rent to Own means that you are renting, and you might be able to own someday through an option to purchase. That is NOT what we offer nor do we think it is a good deal for you.

Our program is referred to as an "Installment Land Contract", "Escrowed Contract For Deed Purchase" or "Owner Financing Purchase". It allows you to own from the very start and enjoy the benefits and tax advantages of home ownership. This allows you to become a homeowner with the seller financing you directly. There is no bank qualifying required or outside lender involved. It is a private agreement between buyer and seller and is overseen by an escrow attorney.

There are two types of applicants that we most commonly help. Those with good credit that lack the down payment needed to purchase. And, those with less than perfect credit.

Here are the two programs we offer:

"Any Credit" Owner Financing-If your credit is challenged we can still help. With as little as a $1900 down payment we can finance the purchase of your home. This program is based solely on your income and job history. Your credit score will not affect an approval decision and you will not be turned down due to credit score. Just be 100% honest and totally serious and you will own your own home.

100% Owner Financing-Perhaps you have good credit and can get approved by a bank or mortgage company. But, you lack the large down payment that lenders are now requiring. We can help. We will finance 100% of the purchase price.