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We make it EASY and FAST for you to OWN a home of your own!  Our sellers often DO NOT care about a low—or no—credit score!  Really, you should qualify for any of our great homes if you can answer “yes” to these “4 BIG QUESTIONS” …

  1. do you have good payment history for your home, going back at least 12 months? (Or a good explanation for your former financial hardship?)
  2. can you manage the down payment? 
  3. can you manage the monthly?
  4. and is your Debt-to-Income (DTI) Ratio low enough? (See # below. Some sellers care, and some don’t.)

As long as you 1) can answer “yes” to those “4 BIG QUESTIONS” and 2) you want one of the homes you see on our website, you can ABSOLUTELY own a home through our easy-approval program! 

And if you need some time to work on any of those 4 items (like to borrow or save more down payment) OR if you don’t see the home you want on the website today, NO PROBLEM … We’ve been around a long time, so we’re not going anywhere, and we will have more great homes later!  Want to get FIRST PICK of the best, newest homes the moment they hit the market?  Then SIGN UP for email alerts, just Join the VIP Buyers Club TODAY and we'll keep in touch with you until you’re ready to own!

Most OTHER sellers out there ask for 10 - 20% down to owner-finance, however our program has some of the lowest down payment requirements in the state: Depending on the home, our sellers may be willing to let you in with as little as 5-10% down, with payments slightly below 1% of the sales price of the home.  As a rule of thumb, that’s about $7,000 and above to cover your down payment, closing costs, and to give you at least a few choices of homes.

DON’T HAVE THE FULL DOWN PAYMENT ready at time of move-in?  Most sellers will work with you on a payment plan if you can do SOME at move-in and satisfy the rest in reasonable time.  So tell us the MAX you’ll have at the time of MOVE-IN and the fastest you can finish the monthly installments on the rest of the down payment, and we'll see what can be done for you!  The MORE you can put down to invest in your new home, the LOWER your monthly will be and the nicer the home options you’ll have

# For pre-qualifying Question #4 above [“Is your Debt-to-Income (DTI) Ratio low enough?”], our sellers who consider this want to see your monthly debt obligations aren’t too high; some require a back-end DTI Ratio maximum of 43%, or up to 50%, depending on your situation. WHAT THIS MEANS: The total of the monthly mortgage for the home you want on this website PLUS all your monthly payment debt accounts found on your credit report (like car loans, credit cards, student loans, medical debts, child support payments owed, etc) should be A MAXIMUM of 43% of your total PRE-tax monthly household income. This is easy to figure out by dividing the monthly debts into your monthly income, and that number is .43 or less.  

Found a home that works for your budget TODAY?  CALL US to view inside

Don’t quite have the down payment for now?...

Good news!  If you have a retirement account (like a military Thrift Savings Plan, a 401K, or an IRA), you might find your down payment there. We’re not licensed to give tax advice, but we’ve seen many previous buyers ask their retirement account manager about BORROWING against their account (instead of withdrawing), and when they bought a home this way, they actually didn’t get a big tax hit from taking money out early and they could put the money back into their accounts over a full 5 years. You could look at this option?

If you’re willing to work on borrowing your down payment or saving it over time, Join the VIP Buyers Club and we'll keep in touch with you until you’re ready to own! ...AND AT THE BOTTOM FOR "Additional Comments," just write in that you are getting your down payment together and you think you'll have it by about (whatever month)...(This is so we know when to give you a personal call back to check in with you and let you know about NEW AND UPCOMING homes.) 

Many families in your city are also saving up to become proud homeowners.  We can’t wait for the day that you can say you’ve broken the rent cycle and kissed your landlord goodbye, that you are no longer one of those people who just “talk” about buying a home....You actually took action to secure a better financial future for you and your family.

When you're very close to having your down payment together, let us know so we can start viewing your favorite homes. Once you find the right home for you and your family, you can close and get moved in as fast as about 7-10 days later!

Discover how to Own a Home in the Greater Killeen or Austin Texas areas, without banks!

Join Our VIP Buyers List Now!

 We’re REAL, live, friendly people offering REAL homes, among the LARGEST selection of nicer, move-in ready, easy-to-own homes in Texas. As you can tell, we’re NOT a canned national “rent to own” website, NO monthly fees, NO fake or undesirable listings, NO foreclosures that require you to qualify for bank loans, and NO credit check required to start. Simply check out the VIDEO above and below, pick out the homes that fit your budget, and then call us to chat!

You want to own a nice home. 

And if you’re like a FULL ONE-THIRD of Americans today, you may not qualify to own through the banks or government-backed loans like VA or FHA.  When this is the case, owner-financing could literally be the only way for you to own a home today, even if banks have said “no.”

The GOOD NEWS is we can still help you make the American Dream of Home Ownership come true!

No matter if you’re self-employed, have short job history, have too many debts (even another house on your credit), a past foreclosure or bankruptcy, have less than the 620 or 640 minimum credit score, or for ANY SILLY REASON that the banks said “no,” we should still be able to help you own.

Our program gets you ownership from Day One, without bank qualifying.  You get to move in quickly, with all the benefits of owning, including tax breaks, equity from appreciation of value, investment in your family’s future, and the pride of owning your own home. 

WATCH THIS VIDEO to answer the question "Will I own or is it a lease purchase or Rent-to-Own? And what protection do I get from losing the home?"


Because a full ONE-THIRD of Americans today can’t qualify for a bank mortgage AND because owner-financed homes are very, very rare, our homes sell FAST!  There are thousands of eager buyers out there, so it’s not unusual for a home we offer to be snatched up just weeks—or even days—after appearing on the market.  So if you have the down payment and are ready to own in less than 2 months, call us RIGHT AWAY to get a look inside some homes.

If you don’t see the right home here TODAY, check back with us often because we may have it on the website soon!  Or with your larger down payment, contact us to see if we can go find your home.  Also contact us to get email notices of weekly home updates, fun videos, and crucial home-finding tips for success.  It’s smart for you to be notified as soon as your home hits the market! 

We believe EVERYONE deserves to own a home.  We feel so much joy from helping individuals, couples, and families own a place of their own, a shelter to build memories that last a lifetime! 

I sincerely look forward to meeting with you when you’re financially and emotionally ready to finally stop renting and OWN a home you can call your own!  Until then, please don’t hesitate to contact us via phone (512-850-7336) or email ( if you have questions, to refer a friend, or when you want to view some homes.

To YOUR Future,

Lara Fobian

If you'd like to find out how you can Own Your Own Home,
Apply Online by Joining Our VIP Buyer List or Call (512) 850-7336 Now!

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Lara Fobian, Owner-Financing Specialist
5501-A Balcones Drive #135
Austin, TX 78731
Contact Us Now!
or Call (512) 850-7336

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