Buy a Home Without Traditional Bank Financing

We offer flexible owner financing options for qualified buyers in the St. Louis area — no bank required, no lengthy approval process.

View Available PropertiesCall 636-525-1566

Since 2016

Local St. Louis buyers

1,000+

Houses bought in St. Louis MO & IL

~2 wks

Typical closing

What Is Owner Financing?

A Smarter Path to Homeownership

Owner financing — also called seller financing — is an arrangement where the seller of a property acts as the lender. Instead of getting a mortgage from a bank, you make monthly payments directly to us.

This makes homeownership accessible to buyers who may not qualify for traditional bank loans, are self-employed, have had past credit challenges, or simply want a faster, simpler purchase process.

Since 2016, House Sold Easy has helped hundreds of buyers get into homes through our flexible owner financing program.

How the Money Flows

1

You find a property

Browse our available owner finance listings

2

We agree on terms

Down payment, interest rate & monthly payment

3

You move in

Close quickly — often in 2 weeks or less

4

Monthly payments to us

No bank, no PMI hassle, no red tape

5

You own the home outright

Once the loan is paid off, the title is fully yours

The Process

Simple. Fast. Transparent.

Getting into an owner-financed home with House Sold Easy takes just a few straightforward steps.

01. Browse Our Properties

Explore our current list of owner finance homes available across St. Louis, St. Charles, and Jefferson Counties.

02. Schedule a Walkthrough

Tour the home at your convenience. We work around your schedule and there's no pressure — just a straightforward visit.

03 Agree on Terms

We work with you directly to set a fair down payment, monthly payment, and interest rate that fits your situation.

4. Sign & Close

We handle all the paperwork with a trusted Missouri title company. Closing typically happens within 2 weeks of agreement.

Why Choose Owner Financing

Benefits That Make a Real Difference

Owner financing through House Sold Easy opens doors that traditional lending often closes.

No Bank Approval Needed

Skip the lengthy mortgage application, income verification, and waiting. We make the lending decision directly.

Fast Closing — 2 Weeks

Close in as little as two weeks once terms are set. No long lender delays.

Flexible Credit

We look at your full situation—not just your credit score.

Negotiable Down

Flexible down payment options to match your situation.

Build Equity

Your payments go toward ownership—not just rent.

Direct Support

Work directly with our team—no middlemen.

Who It's Right For

Is Owner Financing Right for You?

Owner financing works well in a wide range of situations. Here's a quick look at common fits.

Great candidates include buyers who… * Are self-employed or have non-traditional income * Are rebuilding credit after past financial hardship * Have been denied by traditional lenders * Want to close quickly without a lengthy bank process * Are new to the country and lack a U.S. credit history * Have a solid down payment but a complicated income history

Common situations we work through… * Prior bankruptcy or foreclosure on record * Gaps in employment history * Cash or small business income that's hard to document * Student loans affecting debt-to-income ratios * Recently divorced buyers reestablishing finances * Gig economy workers without W-2 income

Common Questions

Frequently Asked Questions

Still have questions? Call us anytime at 636-525-1566 — we're available 24/7.

Do I actually own the home, or am I just renting it?

With our owner financing program, the title transfers to you at closing — just like a traditional purchase. You are the legal owner of the home from day one. You are not renting. You build equity with every payment you make.

What happens if I can't make a payment?

We strongly encourage buyers to contact us immediately if they anticipate payment difficulties. Because we work directly with you — not through a bank — we have more flexibility to work through hardships. We'll always try to find a solution before any formal action is considered.

Can I refinance into a traditional mortgage later?

Yes — and many of our buyers do exactly that. Owner financing is a great stepping stone. Once you've made consistent payments and rebuilt your credit profile, you can refinance with a traditional lender to potentially get a lower rate. There are no prepayment penalties on our loans.

Is owner financing legal in Missouri?

Absolutely. Owner financing is a fully legal and widely used real estate practice in Missouri. All transactions are processed through a licensed Missouri title company, and you receive proper legal documentation including a promissory note and deed of trust, just as you would with a traditional mortgage.

What areas do you offer owner financed homes in?

We have owner finance properties available across the Greater St. Louis metro area, including St. Louis City, St. Louis County, St. Charles County, Jefferson County, and surrounding communities. Call us to find out what's currently available in your preferred area.

How is the interest rate determined?

Rates are set based on the down payment amount, the property, your overall financial situation, and current market conditions. We're transparent about how we arrive at the rate and will walk you through it in detail before you commit to anything.