Even if you’ve had problems with your credit in the past, SWE Homes in Houston, TX, can help you get owner financing to purchase a new home, a commercial space or a piece of land. SWE Homes specializes in working with people who mistakenly believe they can’t buy real estate because of their poor or nonexistent credit and helps them purchase the property they've always wanted.

If you live in Texas or Georgia*, the company’s bi-lingual staff will help you to find owner-financed homes available in your area. After finding the perfect home, SWE Homes will work with you to arrange owner financing. Although a credit check is performed, your credit score will not play a factor. 

To qualify for the company’s owner financing program, you’ll need to provide two things. If you live in Texas, you’ll need to provide proof that you’ve paid the rent for your current living space for the past 12 months. You’ll also need to provide documentation that proves the total of your monthly debt payments, including your future mortgage payment, does not consume more than 43% of your gross monthly income.

While you don’t need a credit score to qualify for the company’s owner-financing program, SWE Homes will get a copy of your credit report to review certain pieces of information. But that is no reason to not pursue one of the owner-financed homes or townhomes in your area. Remember: your credit score is irrelevant during the approval process!

SWE will also verify a few other factors to determine if you qualify for owner financing. They’ll review the tax returns you’ve filed for the past two years, three of your most recent bank statements and the payroll checks you’ve received during the past 30 days, for instance.

In addition to supplying the information SWE Homes needs to make a lending decision, you’ll need to finish a homebuyer education course and pay the premium for one year’s worth of hazard, windstorm and flood insurance coverage before you can secure financing.

If you live in Texas or Georgia and are interested in an owner-financed home in your area, contact SWE Homes in Houston, TX today. The company’s staff speaks English and Spanish and they’re ready to help you get the residential or commercial property of your dreams. You can reach SWE Homes at the following toll-free phone number: (800) 483-1118.

*Homes in Georgia are financed differently than those in Texas.

SWE Homes, LP, Residential Mortgage Loan Originator NMLS# 341112