Owner financing lets you buy a home by making a down payment and monthly payments directly to us, instead of getting a bank loan, with no credit check. We lay out the price, the down payment, the monthly amount, and the terms up front, so you always know where you stand.

No. We do not run a credit check, so a low or limited credit history does not shut you out. What matters most is steady income and the down payment, and we work with you one on one to find a property that fits your budget.

No. No Credit Check Mina specializes in helping buyers with poor or limited credit histories access homeownership through alternative financing methods without traditional credit checks.

We are based in St. Louis and have properties across Missouri and Illinois, including East St. Louis, Granite City, Peoria, and Decatur, along with other markets such as Flint, Michigan. Available locations change as new properties are added, so reach out and we will tell you what is open now.

Start by browsing our current listings or requesting the full master list, then contact us about any home you like. We will share photos, answer your questions, and arrange a tour. From there we guide you through the terms and the agreement, from the first conversation to the keys.

We accept modern methods like Cash App and Venmo, with clear records for every payment. Your down payment and monthly amounts are set out in writing before you commit.

No. We disclose the down payment, monthly amount, and full price for every property up front, in plain language. If anything applies to a specific home, we tell you before you sign.

Yes, you can pay the balance off early, with no penalty. Some buyers also choose to refinance into a traditional mortgage down the road once their situation allows, though whether you can depends on your own lender and circumstances.

Yes. Alongside homes for buyers, we offer off-market and investment properties for building a rental portfolio or taking on a project. Tell us your goals and we will send options that fit.