Author: angel

If you would like to buy a home, you have cash saved up to put down as a down payment but you can NOT qualify for a conventional mortgage loan, then you might want to consider purchasing a home under owner finance.

If you have been not been able to qualify for traditional bank financing, You’re not alone, good news is we can help solve your problem. The sellers of the homes that we list offer Owner Financing, Lease Option and Rent-to-Own terms making qualifying very easy for you.

What is Owner Financing?
Owner Financing happens when the owner of the property is giving a mortgage to the buyer. Owner, who is also the seller, carries the mortgage instead of a bank

We feature homes for sale that offer:

• NO BANK QUALIFYING – SELLER FINANCING!
• NO CREDIT CHECKS!
• NO INCOME VERIFICATION!
• NO APPLICATION PROCESS!

Example:
For example John is selling one of his houses and decides to offer seller financing (owner financing). Mary is looking for a home, but her credit is not so good. So, the only way for her to buy a house is with owner financing. As usual with seller financing John does not have strict qualification requirements. So, as long as Mary is employed and has a cash downpayment John will disregard Mary’s previous credit history. The deed of the house will be transferred to Mary and John will have a lien on the house, tehrefore Mary is the rightful owner of the house, in case Mary stops making payments in the future then John can potentially foreclose on the house and keep the downpayment and get the house back. If on the other hand Mary keeps up with all the payments John will give her the satisfaction of mortgage when she pays it off.

In most cases it does NOT matter if you have bad credit, bankruptcy, late payments, judgments, liens, tax problems or charge offs, you can still buy a home using seller finance. It doesn’t even matter if you have verifiable income. We believe that *everyone* has a right to own their own home.

These are nice homes in nice areas with great neighborhoods and excellent schools. Most of these homes available for owner finance are less than 10 years old and in near perfect condition. Only a few of them might need some work.

Many of these homes have beautiful new kitchens and master bathrooms, big master bedroom suites, and big fenced in yards for the kids and your pets. Most of them have big 2 car garages and plenty of storage.

We make it very easy to own your own home… to have a place that you can claim as your own and be a proud homeowner. Nearly every one of our past buyers had been turned down again and again and again by banks and mortgage brokers… even banks that advertised «bad credit okay.» They never thought they’d EVER be able to actually buy a home for themselves and their family until they got into our program.

There is absolutely no charge for this service, we make our money on the sale of the property. There is also no obligation. If you like what you see, great, let us know and we’ll get you started and get you the list of properties we have available… if, on the other hand, you decide it’s not for you, that’s not a problem.

To get started just fill out the form on the top right and one of our owner finance specialists will contact you

Buying a distressed home can be very exciting or it can be quite a challenge for some people. We at Angel Realtors think that the whole process is quite an exciting project.

Without specialized knowledge about how to handle the purchase of a distressed home such as a foreclosure, short sale or REO, you could find yourself in dangerous territory. We are experts in locating and advising you through out the complete process of buying a distressed home. The reason for buying a distress home can range from you being a contractor with some experience, or you might want to go through a construction or redevelopment process to create your customized dream home.

Whatever reason it is the bottom line is you will eventually save money and buy into the equity of the home creating a viable investment for the future when you decide to sell the house.

The process of buying a distress home is very unique, and should not be assigned to a real estate agent that does not have any experience in this specific area. A Realtor having experience in both construction and acquiring homes at a discount is a MUST! We at Angel Realtors like to explain the process in these three simple steps:

1) Structuring the Finance

Depending on what type of rehab the home needs, it will dictate the type of financing that will be available or appropriate for the renovation.

2) Finding

The process of finding a discounted property is not very simple, there are specific traits that your Angel Realtors will look for in order to find the ideal property for your needs.!.

3) Analyzing

This is the most important step of them all, on doing your due diligence you need to analyze all of the repairs and make sure that the repairs are within your budget..

1) Structuring the Finance

If you are not paying all cash for the home then a professional mortgage broker will be able to help you in deciding your best finance option. There are three major types rehabs that a distressed property might need. They range from just cosmetic repairs to a complete rehab. Depending on what type of rehab the home needs, it will dictate the type of financing that will be available or appropriate for the renovation.

2) Finding

While many short sales are foreclosures, not all foreclosures are short sales and not every short sale is in foreclosure. To further complicate matters, REOs are not short sales either, but some intended short sales can end up as an REO..

3) Analyzing

This is the last and most important of all steps. This is where you will do all of your due diligence, it will be a detailed analysis of all repairs and work that you will want or need to put it towards the house once you purchase. Your Angel Realtor will be able to help you or your trusted general contractor will be able to do a break down all repairs needed. We always look at the 10 major items, that could make or break the deal:

Buying a home is an exciting and complex adventure. It can also be a very time-consuming and costly one if you’re not familiar with all aspects of the process, and don’t have all the best information and resources at hand.

It is our specialty to represent your best interests in the Texas area home buyers throughout the home buying process. Our comprehensive, high-quality services can save you time and money, as well as make the experience more enjoyable and less stressfull

Buying a home is an exciting and complex adventure. It can also be a very time-consuming and costly one if you’re not familiar with all aspects of the process, and don’t have all the best information and resources at hand.

It is our specialty to represent your best interests in the Texas area home buyers throughout the home buying process. Our comprehensive, high-quality services can save you time and money, as well as make the experience more enjoyable and less stressful.

We are able to provide this buying representation servicee completely FREE of charge to the home buyer.

3 Steps To Buying Your Dream Home!

Get Pre-Approved

Get pre-approved for your loan before you begin your search! Know where you stand and plan around making a smart financial decision. Speak with one of our preferred lenders today!.

Search Homes

Now that you are pre-approved for a loan, it’s time to find the home of your dreams! Start your home search on the best online real estate search engine available or call us to speak with a real estate professional.

Tour Homes

Have you found your dream home online and want to schedule a tour? We are happy to help! Call us at or click on the button below to schedule your a property tour today.