Owner Finance Homes Dallas Fort Worth | Bad Credit No Lease Purchase

"I don't know of an easier, more hassle free way to buy a home with such a ridiculously low down payment and low interest rate. Whether your credit is good, ok or bad, this is definitely the way to buy and own a home.

We closed on time, with a reputable attorney and my deed is in my hand. My Rockwall home and neighborhood exceeded my expectations 10 fold.

The homes are majestic and the area is a quiet, family oriented family community. The schools are great, the kids are well behaved and polite, we love it here!

Thanks Marcus!" -close-

I’ve witnessed a lot of homeownership dreams shattered like broken glass because of lenders.

If you don’t have...

Top notch credit,

The ability to prove your income with several years of income tax returns and months of paycheck stubs, and

Rock solid employment history;

...then your chances of qualifying for a traditional mortgage are slim to none.

At last, a *Guaranteed* simple solution

If you have been looking for a better way, there is good news.

AllCreditIsOK.com is the #1 source of no qualifying owner finance homes in the Dallas-Fort Worth area and will make you the owner of your dream home this week...

Without a credit check;

Regardless of your employment status, and without any income verification…

Even if you filed bankruptcy yesterday!

This is NOT a bogus "lease to own" type program that requires a big deposit but never actually helps you become a homeowner.

This IS a legitimate opportunity for you to get the deed to your dream home put in YOUR NAME as soon as this week... even if you have down right ugly credit.

This is the perfect solution if you:

Have ugly credit...
Are self-employed...
Lack job stability...
Recently filed bankruptcy...
Have high debt ratio...

...None of these things matter when is comes to approving you for your new home!

If you meet our simple down payment requirement, then you are approved… GUARANTEED!

You will surely be astonished by our ridiculous guarantee that I will tell you about in just a second... but first I have something really important to share with you.

Owner Finance Homes Wylie Texas Damon Testimonial

Damon's new home

in Wylie, Texas.

"I was in a situation of poor credit due to 2 previous divorces."

~Damon A. Redfud~

Business Management

Wylie, Texas

"I was in a situation of poor credit due to 2 previous divorces. I was interested and financially able to purchase a home but unfortunately not under the pre-requisites that typical mortgage companies (banks) base their decisions.

I received an E-mail from AllcreditisOK.com describing the how's, do's, wants they required to purchase a home from them.

Needless to say I was EXTREMELY SKEPTICAL about the whole thing right up to closing on the house I am currently residing in.

I am pleased with the outcome of my business with Mr. Marcus Curry who was professional and helpful all the way down the line.

Believe me when I tell you I was on the phone constantly with him looking to hear any contradicting statements, double-talk, or questionable business tactics. There were none. I did what he asked and he did what he said."

Yours Truly,

Damon A. Redfud -close-

Don't be victimized!

Owning your dream home almost overnight with less qualifying than it takes to board an airplane is made possible because AllCreditIsOK.com offers "private" No Qualifying Owner Financing.

We are NOT the only company that offers owner financing, but as you are about to see, not all companies are created equal.

If we lived in a perfect world, everyone would be honest, ethical, fair, and do business with integrity. Everyone would “mean what they say and say what they mean”.

Unfortunately we do not live in a perfect world and everyone does not operate from a high moral standard. With this in mind, the only smart thing to do is make sure that you are fully protected – especially when it comes to buying a home.

I promised to share with you some dependable guidelines to follow that will keep you safe from shady home sellers and real estate companies. I'll keep that promise, but first I want to make sure you have a good understanding of "No Qualifying Owner Financing".

What is "No Qualifying Owner Financing"?

No Qualifying Owner Financing is the process of buying a home without going through the rigid loan qualification required by banks and mortgage companies.

This is made possible by the owner of the home being willing to finance you themselves - in exchange for a reasonable down payment.

This technique is also commonly known as “Seller Financing” and “Owner Carry”.

There are three core documents used in this type of transaction. They are a “Note”, a “Deed of Trust” and a “Warranty Deed”.

The “Note” and “Deed of Trust” are used to protect the seller and the “Warranty Deed” protects you as the buyer.

Protection is important because the same type of predators that use rent-to-own programs to trap you in the renting cycle will try to take advantage of you using owner financing if you are not careful.

Owner Finance Homes Rowlett Testimonial

"...It's still hard to believe it could work like that."

~Teresa & Don McDonald~

Home Business Owner

& Sales Manager

Rowlett, Texas

Hi, we are Don and Teresa McDonald from Rowlett, TX.

We were looking for a special home that we could move into quickly and we were amazed that we could find such a beautiful home in Rowlett (with easy access to down town Dallas)...

...with no qualifying or credit check and best of all, no messy long drawn out paperwork.

We made our earnest money deposit on Monday. By the 4th day / Thursday we signed EEEEEZZZZZ PAPERWORK and had KEYS put in our hands. The house was ours!

It doesn't get any better than that. When you get an email that says its that easy (and it really is), it's still hard to believe it could work like that. We are here to say it does work like that. "

4 Sure-fire ways to protect yourself

By following the protection tactics below, you can ensure that you are protected when engaging in an Owner Finance transaction.

Protection Tactic #1: Get the deed

Whoever has the deed has the control and here's why...

There is a popular owner finance technique that is widely used in which there is no transfer of legal title to the home. This type of transaction is referred to by several different names including “Contract for Deed”, “Agreement for Deed”, “and “Land Contract” among others.

As explained earlier, the main document that protects your interest in an owner finance transaction is the Warranty Deed. A Warranty Deed is the legal document that transfers the “legal title” of a piece of real estate from the former owner to the new owner.

This document is then recorded at the County Courthouse so that the general public knows who owns the property. Generally if a deed is not recorded it is not recognized. Without a Warranty Deed, there can be no transfer of “legal title”.

The main problem with the “legal title” not being transferred is that you are not the “legal owner” of the home although you put a substantial amount of money down as a down payment.

This means that liens and judgments can be attached to the home that you thought you owned if the actual owner is ever sued.

I would definitely think twice before entering into this type of agreement.

Protection Tactic #2: Beware of short balloons

A balloon payment is a special requirement that a loan be paid off in full at an earlier time than it would be by just making the normal monthly payments on the loan.

For example: If you have a loan that is amortized over 30 years then that means that by making the regular monthly payments every month, your loan would be paid off in 30 years.

If the repayment agreement (Note) contains a balloon payment clause, then you will be required to pay the loan off in full at some time before the 30 year time frame.

While there is nothing wrong with balloon payments in themselves, some unscrupulous home sellers do not fully explain the consequences of not making a balloon payment in a timely manner. In short, your home can be taken from you if you are unable to make the balloon payment.

Most individuals make balloon payments by refinancing the home or by selling it. The problem is that if you have not been preparing for this event, then it can creep up on you unexpectedly.

I recommend that you not enter into an agreement with a balloon payment due in less than 3 years after the origination of the loan.

Protection Tactic #3: Close at a title company

It is very important that you have a title company involved in ALL of your real estate transactions.

Never close a real estate transaction any where other than a title company or you are asking for trouble. It will cost you a little more money, but it will be definitely worth it in the long run.

There are several critical reasons to close your owner finance purchase at a title company:

Title companies specialize in closing real estate transactions so you can rest assured that they know what they are doing.

They are required to have licensed closing agents and attorneys on staff which adds more credibility to the entire process.

They are professionals that can give you quality professional advice concerning your purchase.

They will also prepare all of the paperwork so that you know it will all be legal and ethical.

In addition they will act as a neutral third party witness to everything that the two parties are agreeing to incase there are any disputes in the future.

Any reputable and professional real estate company will not have a problem closing at a title company - in fact they will probably require it!

Protection Tactic #4: Get a title search

A “Title Search” (also known as an “Abstract of Title” or “Preliminary Title Report”) is a collection of all the recorded documents relating to a piece of real estate. This will reveal any liens, judgments, or any other encumbrances against the property.

This is important because as a potential buyer of a home, you inherit any liens or judgments that are attached to the home.

If you are buying a $100,000 home and the home seller forgets to tell you that he has a $500,000 IRS tax lien that attached to his home, then you will have to pay that $500,000 lien before you can sell or refinance that home.

A simple title search will prevent that sort of alarming surprise.

A title search will also reveal who the current legal owner of the property is. You’d be surprised how many times I have heard of individuals “selling” homes that they do not own.

The unsuspecting buyer will put down a large down payment only to later find out that they are not the true owner of the home because the individual that “sold” them the home never owned the home in the first place.

The buyer now has no home and has been robbed of several thousand dollars. This can all be avoided by simply requesting a title search from the seller.

Owner Finance Homes Dallas - Suze Orman

Financial Expert

"...A home is flat out the

best big ticket purchase

you will ever make."

~Suze Orman~

Amercia's most recognized expert on personal finance, New York Times best selling author, and two time Emmy Award winning television host.

As lousy an investment as your car is, a home is flat out the best big ticket purchase you will ever make.

Just like your student loans, mortgage debt is truly good debt. Let me tell you why...

You have probably noticed that the real estate market has been on fire, with prices in many areas climbing 50% or more since 2000. That's a 50% return during a time when the stock market couldn't manage to stay above water.

I am not saying that real estate is always up during the periods when stocks are down or that real estate will ever see returns like these again.

But even if real estate values come down to a more normal average annual return of about 4%, you'll still be a very happy camper that you got into the game.

I'm going to use a $100,000 home as an example. (Those of you living in areas where you can't even buy a garage for that, settle down, this is just an example.)

When you buy a house for $100,000 you must come up with a down payment and it can range from 3% to 20% or more.

Let's say you decide to make a 10% down payment. That's $10,000. If your homes value rises 4%, your $100,000 home is now worth $104,000.

You made $4,000. But your real return is a lot better than 4%... remember you only invested $10,000 and you just made $4,000. That's a 40% return on your money.

That's better than the stock market, the gold market, and any market that I know of. I can't guarantee you that real estate values will never go down, but the long term trend is positive and there is no reason to think that will change.

You'll also be in line for a nice tax break when you move from renter to owner. The interest you pay on your mortgage is tax deductible.

Add that up and you can see why owning a home is such a smart move."

Now that you know how to cover all of your bases, let's look at the loads of benefits of buying a home with No Qualifying Owner Financing.

7 Amazing benefits of owner financing

Buying a home should be at the top of your priority list. Here are the benefits that you can begin enjoying by taking advantage of our "No Qualifying Owner Finance" Program:

Benefit #1:

Requires no bank financing



Click Here to Read The Full Story

Since you will not have to go through a bank or mortgage company, your credit doesn't matter! If you can meet our simple down payment requirement, then we are willing to finance you despite you past credit history.

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Benefit #2:

Increase your take home pay

Click Here to Read The Full Story



There are many financial bonuses provided for homeowners.   These include the ability to deduct interest payments and property taxes from your income taxes, which lowers your income taxes and allows you to increase your deductions.

This may easily result in you receiving an additional $3,000-$6,000 per year in CASH back from the IRS.

Or better yet, because of your increased tax savings you can simply reduce the withholdings from each of your paychecks and begin to immediately experience the impact of your increased savings.

It’s kind of like you giving yourself an instant raise!

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Benefit #3:

Principal reduction of your loan balance

Click Here to Read The Full Story

There will be no more throwing your money down the drain each month on rent to make your landlord rich while you just collect receipts.

You can now enjoy the fact that that each monthly payment that you make is paying down your principal balance that you owe on your new home.

-close-

Benefit #4:

Increases in the value of your home

Click Here to Read The Full Story

Not only are you building wealth by paying down your monthly mortgage balance every month, but you are also receiving the benefit of your new home appreciating in value.

The largest and best performing investment that most Americans have is their home and now you can boast about the fact that you have joined their ranks.

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Benefit #5:

Competitive interest rates

Click Here to Read The Full Story

Forget about all of the rumors that you heard about owner financed interest rates ranging from 10-15%. Our interest rates start as low as 6.9% and typically range between 7.5% and 8.5%.

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Benefit #6:

You can move fast



Click Here to Read The Full Story

When you buy your new home from us, you can move in quickly and easily. Most of our homes are available immediately. We can get you into one of our homes in just a few days with our flexible terms or set a date further out if you need to.

Compare that to buying an owner occupied house through a real estate agent. How frustrating! First you have to qualify for a loan which could take 3 to 8 weeks. (We require no bank financing.)

...Then you have to coordinate your move subject to the schedule of the seller.

Look out if the seller wants everything contingent on them getting into their new home. Their deal can fall through at the last minute stopping you or delaying you from moving in.

That can become a nightmare if you've already lined up a moving van, or given notice to your landlord, or sold your previous home.

-close-

Benefit #7:

Own your home... now!

Click Here to Read The Full Story

Perhaps the biggest benefit of all is that your dream will no longer be just a dream but a reality. Don't be forced to throw your money away on rent just because you need time to get a bank loan.

Each month you get nothing to show for your effort but receipts...with no equity build up... no tax benefits... no appreciation... and no pride of home ownership.



Aren't you tired of maintaining and fixing up a house you don't own? Do you want more privacy in a bigger or better house... Even if you don't have perfect credit... or a 20% down payment... or if you're self-employed?

There’s something extra that goes along with homeownership status. Show off your new home and experience a new sense of pride. Watch for your boss, family, and friend’s reaction, once they learn you are buying a home.

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owner finance homes arlington texas caddell

Doug Caddell's new home

in Arlington, Texas.

"I have never been involved with a

major purchase

that has gone as smoothly and easily as this one did."

~Doug Caddell~

Aerospace Engineer

Arlington, Texas

"Faced with an unexpected quick sale of my home and only two weeks to move, I was in the process of hunting a house to lease in order to give me time to find or build a new home.

It was only by chance during one of my neighborhood sweeps that I happened across a home with signs that stated owner financing, quick move in.

Not only was the property beautiful and in an ideal location but the prospect of beings able to actually purchase and close within my two week deadline and avoid throwing a years worth of rent away was enough for me to call the phone number and investigate the possibilities.

With my experience in real estate purchases being that of the traditional mortgage company and jump through the hoops approval process, I was a bit skeptical.

After doing some quick research on the internet, educating myself on what constituted a legitimate situation versus becoming a victim of a scam, I was impressed to see that everything with this home and financing passed the legitimacy tests.

I have never been involved with a major purchase that has gone as smoothly and easily as this one did. No surprises. No hoops. I put down the earnest money to hold the home and seven days later I closed at the title company with my down payment being the ONLY requirement for the purchase.

That was two months ago and I am happy to say I couldn't be more pleased. I would highly recommend Mr. Curry and his company for doing what I once thought impossible. Making the purchase of a new home quick and easy regardless of your situation."

I have no idea what you’re thinking about right now, but I do want to ask you something here that’s a little personal but extremely important.

I want you to imagine something (play with me here a moment, okay?)...

Picture yourself walking out of the title company with the keys and garage door remotes to your dream home in your hands.

You rush over to YOUR new place to meet the movers to show them where to put your furniture (you've already planned out the exact details)... Maybe you also have brand new pieces being delivered from your favorite furniture store.

You take a deep breath as you realize that you finally have enough room for all of your treasured belongings. The home is perfect... it accommodates everybody in your family.

As you float your way inside, you’re unable to hold back the feeling of excitement... this is actually YOUR house... You own it!

Image the look on your friends and family's faces when they first see your new house... as they struggle to keep their jealousy from showing.

How satisfying will that be?

Okay, now let’s step back from that scene for a moment and let me ask you a very important question. Be totally honest with me and yourself … okay?

How would you feel if that scene became a reality?

Do you think it’s really possible, or are you still wondering if it’s all a pipe dream?

Here's an important question that I want you to think about right now:

How do you feel when your friends and family brag about buying a new home, while you remain stuck renting a house or apartment that doesn't meet your needs?

Can I tell you something personal that I have not shared with many people?

There was a time not long ago when I had to live with my mother for over a year. I love my mom dearly and I am thankful that she was there for me when I truly needed her, but...

The space was cramped and I couldn't wait until I would be able to buy my very own house. The problem was that my credit score was too low for me to qualify for a traditional mortgage.

I was stuck and to make matters worse... I witnessed my friends become first time homeowners one by one while I made no progress at all.

I felt embarrassed to talk to anyone about my lack of progress. I should have been further along by that point in my life.

I felt hopeless and inadequate.

Can you relate? If so, then read on to discover how you can change your life forever.

Owner Finance Homes Allen - Shaw Testimonial

Andre & Nikisha's new home

in Lancaster, Texas.

"THIS PROGRAM IS

THE REAL THING."

~Andre & Nikisha Shaw

Railroad Conductor & Nursing Student

Dallas, Texas

I have to say this was the easiest process EVER! We spoke to Marcus on Monday and Friday of that same week we closed on our house.

We never thought that with our credit situation that we would own a home. We have the income needed to make the payments, however like a lot of people things happened in our past when we were younger that has come back to haunt us on our credit report. There is absolutely NO CREDIT CHECK!!!

Marcus took the time to answer all of our questions that we had for him when we called him everyday before we closed. We were very skeptical about the whole process at first. I researched everything that I could think of.

THIS PROGRAM IS THE REAL THING. If you are dreaming of buying your dream home but have past issues on your credit I HIGHLY RECOMMEND that you give him a call.

Thank you Marcus for all of your help in making our dream come true.

The simple step-by-step process to becoming a homeowner this week

By this point you must be saying to yourself, “OK, this all sounds great, but how do I get started?”

You’ll be surprised at how fast and easy we’ve made it to get into your new home.

You may or may not be aware that the conventional home buying process may easily take a month and a half, or more. It is filled with all kinds of time-consuming, meaningless activities invented by lenders and brokers.

We’ve created a simple, no-nonsense, step-by-step process (total of 5 steps) to go from a ground zero to actually moving into your home.

You can literally do it in 7 days or less (sometimes even as quickly as 48 hours.) I hope it is good news for you. We found, that a lot of our Buyers want to move quickly. We are proud to be able to accommodate them.

Step 1:

View our featured home of the week

Save yourself a lot of time by getting all the facts about our featured home of the week, including the pricing and the payments. Read about schools, find directions, etc. Even print the listing to take with you when you go to look at the home.

You can view our featured home of the week by clicking HERE.

Step 2:

Visit the home(s) that excites you

We have made it possible for you to visit any of our homes when it is convenient for you!

All of our homes are on a lockbox system that makes it possible for you to visit them 24 hours a day, 7 days a week.

You don’t have to worry about taking off early from work or taking an extended lunch break in order to accommodate some seller’s inflexible schedule.

This will also allow you to peacefully view the home without having a real estate agent walking on your heels pointing out things that you already know, such as the room with the toilet and shower in it is called a bathroom.

No one from our company will be there trying to influence your decision. We hope that you can appreciate that.

All that we ask is that you be respectful of this privilege by making sure that you lock the house back up and that you not go when it’s rainy or muddy – it’s hard to keep the homes clean.

Once you arrive at the home, call the number on the sign in the front yard and we will explain how to open the lockbox so that you can get inside. It’s really that simple.

Step 3:

Make an earnest money deposit

After our sales representative calls you back to let you know that you are approved, you will need to come in to secure the home by making an earnest money deposit.

When we receive your earnest money deposit, we will take the home off of the market until we close the transaction. Unfortunately we cannot take the home off of the market until we receive an earnest money deposit.

We have had a number of cases where buyers communicated to us (not once, but 2-4 times, over e-mail and phone) they wanted “that home”, and we communicated back that we’d sell it to them (we had already approved them).

However, these buyers did not make an earnest money deposit on the home. Someone else stepped forward, brought us the check – that was the end of story.

The only way you can guarantee that a certain home is reserved for you is by you making an earnest money deposit on that home. If you want the home, please remember to secure it with a deposit.

Step 4:

Close the deal

This is the easiest part. We close all of our transactions at title companies with licensed closing agents and attorneys on staff. This ensures that everything is handled in a legal and ethical manner.

Just show up at the title company with the balance of the funds, sign a few papers, and pick up the keys.

Step 5:

Move into your new home

At this point you should be very proud of yourself for not only making the decision to change your life, but for taking action.

I am sure that you know people that seem like that are “getting ready to get ready”. They constantly talk about what they are going to do, but they rarely follow through. They rarely take action. Well congratulations for not being one of those people!

Owner Finance Home McKinney - Hofisi Testimonial

Arthur & Saran's new home

in McKinney, Texas.

"AllCreditIsOK was so so wonderful to us."

~Arthur & Saran Harrold~

McKinney, Texas