Houston Owner Financing

For many prospective homeowners, credit history can feel like a roadblock to achieving the American dream. If your credit score is less than ideal, you might be wondering if homeownership is even possible. The good news is: it absolutely is. Financing a home with bad credit is not only possible but increasingly accessible, especially for those who know where to look and how to prepare. This guide breaks down what you need to know and how to take smart, strategic steps toward homeownership—even if your credit isn’t perfect. Understanding Credit and Its Impact Credit scores are a reflection of your financial reliability. Most traditional lending institutions use them to assess the risk of offering a loan. Generally, a credit score below 580 is considered poor, and the lower your score, the harder it can be to secure favorable loan terms—or any loan at all. But here’s the catch: a poor credit score doesn’t mean you’re financially irresponsible. Medical emergencies, job loss, or even e...