We Finance Land, No Credit OK in Houston, TX

We offer owner financing to make it easy for our customers to purchase commercial properties and land. You can take possession of a property much quicker than with traditional mortgage financing because our approval process is quick and easy.


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Owner Financing*

Owner financing* is available for our lots and commercial properties. 

All you need is a job

To qualify to buy a commercial property or land, you must provide us with evidence of 12 consecutive months of rental payments and have a job that pays you 4 times more than the monthly payment for the property that you have selected to purchase. A down payment is required for our owner financing program.


If you or any of the borrowers have filed bankruptcy, you may be required to put a larger down payment. If you currently have an active bankruptcy, you may not be eligible for our owner financing program.


No Credit OK

No credit ok; however, we will verify the applicant(s) information:

  • Last years of employment
  • Last 2 months of pay stubs
  • Last year of rental history (lease agreement, canceled checks, and receipts)
  • Utility bills (gas, light, or water)

We qualify applicants based on their monthly income. The monthly payment must be less than or equal to 1/4 of your monthly income. The total monthly payment on the mortgage will have to be pre-determined at the time of the pre-qualification and will include:

  • Principal
  • Interest
  • Escrow amounts for taxes and insurance.
  • Loan servicing fee

No Closing Costs in Texas

There are no closing costs; however, we are required to collect the following charges at closing:

  • *$198 to record the deed in the buyer(s) name. Subject to change.
  • 1st year of prepaid insurance
  • Two months property tax escrow
  • Two months insurance escrow
  • Prorated interest

*Closing Costs in Georgia for investors

Required costs are as follow:

  • 1st year of prepaid insurance
  • Four months property tax escrow
  • Two months insurance escrow
  • Prorated interest
  • Attorney fee (tbd)
  • Transfer tax/recordation (tbd)
  • Title Policy (Optional)

(for homestead /owner-occupants, please call a sales specialist for details)

* All prices and information are subject to change without notice

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