Buy your home directly from the seller — no bank, no SSN.
What is Owner Finance?
Owner Finance is a real estate transaction where the seller acts as the lender, financing your home purchase directly without a traditional bank mortgage. The buyer signs a promissory note with the seller and makes monthly payments over an agreed term (typically 15-30 years). Title transfers to the buyer at closing, with a lien in the seller's favor until fully paid.
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Attorney-reviewed contract. Close in 2-4 weeks.
| Requirement | CasaFlex | Traditional Bank | FHA |
|---|---|---|---|
| Credit score required | None (0) | 620+ | 580+ |
| Down payment | 10% (flexible) | 20% | 3.5% |
| SSN required | No (ITIN OK) | Yes | Yes |
| W-2 documented income | No (cash flow OK) | Yes | Yes |
| Time to closing | 2-4 weeks | 30-45 days | 45-60 days |
| Interest rate range | 7-10% | 6-7% | 6-7% |
| Language | Spanish + English | English typical | English typical |
49.5%
Latino homeownership rate in the US
Fuente: NAHREP State of Hispanic Homeownership 2023
An advisor in English or Spanish explains everything — no cost, no commitment.
Owner finance is when the home seller acts as your lender. Instead of getting a bank mortgage, you pay the seller directly each month for an agreed term (typically 15-30 years). No SSN required, no credit bureau report, and CasaFlex facilitates the contract and legal closing.
CasaFlex owner finance requires 10% down payment minimum. Some sellers accept less depending on your provable income and cash reserves.
Owner finance rates range from 7% to 10% annually, depending on the seller, down payment amount, and term. Higher than bank mortgages but immediately accessible without credit scoring.
You need some form of legal ID: ITIN, valid passport, or driver license. ITIN is the most common option for Latino buyers without an SSN.
Yes. In most CasaFlex owner finance contracts, the title transfers to your name at closing. The seller retains a lien (mortgage) on the property until you finish paying, just like a bank would.
Yes, and we recommend it. After 1-2 years of on-time payments building your credit, you can refinance with a bank at a lower rate. CasaFlex assists with this transition when you are ready.
Between 2 and 4 weeks from preliminary contract signing. Much faster than the 30-45 day bank mortgage process because there is no bank underwriting.
Colorado, Texas, and Georgia, with active inventory in 19 cities including Houston, Dallas, San Antonio, Denver, Miami, Orlando, Atlanta, and more.