Frequently Asked Questions

General questions about our company, service, and properties we offer on this website: 

  • What does Owner Financing actually mean?
  • What is the process?
  • Do appliances or furniture come with a home?
  • What if I have bad credit? Can I still get a home?
  • Is there a down payment when buying a home?
  • What are the benefits of an owner-financed home?
  • What are the requirements of the arrangement?


What does Owner Financing actually mean? 

In most cases, a seller financed agreement is a contract on a property that includes the price, the payment, the interest rate, and the length of the contract (term).  It’s often called a land contract – or a contract-for-deed, or even an installment sale.

This defers from a ‘rent to own’ agreement, where essentially, in this type of agreement, it is basically a lease that leads to a purchase.   We sometimes offer this as well, (mainly the higher priced homes), and if so, we will disclose in our ad if it is a rent to own property.

Instead of you going to a bank to get a loan to buy a home, we are your bank.  We provide the loan for you to buy it.

With owner financing, you have purchased the property.  You can do what you like with the property, and you’ll obtain property insurance and pay the taxes.   In an installment sale (or contract for deed), you will obtain the title once the property is paid in full.

We use professionals during the application process and to ‘close’ the loan, as they provide all of the necessary documents in the transaction.

We help lots of folks like you to purchase the home of their dreams.

Fill out the form below to get started on your way to home ownership!


What is the process?

The process is actually pretty simple.

Once you’ve seen one of our fantastic properties, we’ll ask you a few short questions.  We’ll need to know how you receive income, as well as how much down payment you want to pay.   Then, we refer you over to a residential mortgage loan officer as they will do the loan application and loan documents for us.

The requirements for approval are no where near as strict as typical bank financing.

After you’re approved to buy it, you pay your down payment and provide any documentation that the RMLO (loan officer) needs, and sign the papers.

Then you get the keys and you move in!

That’s the process!

Once you’ve paid for the property in full, you get the title in your name.

First step – sign up to find great properties around Little Rock just by filling out the form.

You’ll get immediate access to great rent-to-own homes, plus a whole lot more.

Sign up and get started now!


Do appliances or furniture come with the home?

Most of the time, furniture isn’t included.

Generally, the basic appliances are there – like a stove, oven, and sometimes extras, like a refrigerator, dishwasher, a washer and a dryer. Parts of a property that are installed or attached – like the heating system and air conditioning – are definitely included.

Sometimes, we’ll offer a property that includes some furnishings. Most buyers want to bring their own stuff with them from their previous home, and that’s why furniture is sold separately.

There are many companies out there that provide a rent-to-own service for furniture or extra appliances, and you’ll get lots of choices on styles and types.

But be careful!

Some (not-so-honest) furniture companies will charge you huge amounts for a rent-to-own agreement. You might end up paying 2-3x more for these products than if you bought them outright.

Plus, those appliances will probably go down in value – unlike real estate, which usually goes up in value or at least remains stable throughout the years.

Of course, you want your money to be going to an asset (like your home) that will rise in value, not expensive interest payments on new furniture.

So don’t wait! Fill out the form at the bottom of this page to get started now.


What if I have low credit? Can I still get a home?

Yes you can! Many people with low credit scores can still get a home from us.  We actually are not involved in the credit app process, but what we do know is that lower credit scores are okay and have gotten approved in the past.

Every situation is different, but we specialize in helping people who have been through tough circumstances (or just made mistakes in the past) to buy a home for their family.

So fill out the form at the bottom of this page now and get your piece of the American dream!


What are the benefits of a Seller Financed home?

There are a lot of benefits of an owner financing agreement!

In the past few years, banks have been very tight on their lending criteria.  Buying properties with owner financing allows you to skip using banks all together!  You can deal directly with us and buy directly from us.

Here is another great benefit of buying with owner financing:

Move in fast.  Since you don’t have to wait for a bank note and mortgage, you can often move in right away – and get started living a new life in the home of your dreams!

So don’t wait! Get started now by filling out the form at the bottom of this page.


Is there a down payment on a home?

Yes, there is a down payment!


Your down payment gets applied to your loan, and the more you can afford to pay down, the lower your payments will be as well as the faster you can pay off your new home.

Just let us know how much you have saved to pay on your home, and we will try to work with you.

What are the requirements of  the arrangement?

We know that every person, family and situation is different.

We do our best to help you uncover creative solutions to help you own the home of your dreams.

Once you’ve had a chance to check out the house, you’ll fill out a mini- application that will include information on anyone who wants to buy the home.

We’ll verify the income(s) for those living in your household to confirm that you’ll be able to make your monthly payment, and we’ll then send over your application to our RMLO (loan officer) to complete it.  THey will reach out to you and request any additional information that they need.

People with low credit, no credit, limited cash available, and other financial situations have all been able to purchase their perfect piece of real estate.

We’ll speak with your references and previous landlords, because relationships matter to us more than just scores assigned by a computer.

We love helping great folks to reach their dreams, so don’t be afraid – fill out the form below to get started!

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