Bank denials
Credit a few points low, gig income, or a recent move — modern underwriting punishes real life.
Tell us what you want — the price, the area, the type of home. We match you with off-market, seller-financed properties anywhere in the U.S. that fit your criteria. No bank. No perfect credit needed. Just the keys.
You work hard. You have income. You're ready to own. But the bank keeps saying no — or asking for paperwork that takes months you don't have.
Credit a few points low, gig income, or a recent move — modern underwriting punishes real life.
45–60 days, 200+ pages, three rounds of "one more document." Meanwhile rates go up and listings disappear.
Saving six figures while paying rent feels impossible. PMI, points, and origination fees just make it worse.
Friends keep buying. You keep renting and paying someone else's mortgage. It eats at you.
Seller financing means the homeowner becomes your lender. You agree on a down payment, a monthly payment, and an interest rate — and you sign a deed. No bank in the middle. No permission to ask.
You and the seller agree on terms. A title company handles closing. The deed is yours — same as any sale.
Most of our deals close at 5–15% down. You don't need to hand over your life savings.
Interest rate, length, and payment are negotiable. Some sellers carry 5 years, some 30 — you pick what fits.
Average 21 days from offer to keys. No underwriter, no rate-lock anxiety, no "one more doc."
Tell us where you want to buy and a couple basics. 30 seconds on your phone — that's it.
We scan our off-market, seller-financed network across 38 states and send you homes that fit. New matches arrive automatically.
We connect you with the seller and a closing partner. You agree on terms, sign the deed, get the keys. Most close in under a month.
BuyHome9 was started by a small team of investors and real-estate veterans who watched too many capable families get told "no" by banks for reasons that didn't reflect who they actually were.
We knew a different path existed — sellers carrying the financing themselves — but it was scattered, hard to find, and locked behind insider networks. We built the matching layer the public never had.
Same outcome — you own a home. Wildly different paths to get there.
| Traditional mortgage | Seller financing | |
|---|---|---|
| Credit score required | 620+ (often 680+) | Often flexible / negotiable |
| Typical down payment | 10–20% + closing | 5–15% (negotiable) |
| Time to close | 45–60 days | 14–30 days |
| Income paperwork | 2 yrs W-2s, tax returns, paystubs | Light — seller's discretion |
| PMI / origination fees | Yes — adds thousands | No |
| Self-employed friendly | Hard | Easy |
| Negotiate terms | Take it or leave it | Yes — rate, length, payment all open |
| Refinance later possible? | N/A | Yes — typical at 12–36 months |
Three of the families we helped close in the last 12 months.
I'd been denied by four lenders because I'm 1099. BuyHome9 matched me with a seller in Texas in two days. We closed in 17 days at 8% down. My credit didn't even come up.
I was about to give up on owning. The seller carried the loan at 7%, accepted 10% down, and the deed is in my name. My kid sleeps in his own room now. That's everything.
As an investor, the speed is the magic. Subject-to deal closed in 11 days. Tenants in place 30 days later. Try doing that with a bank.
If you're new to seller financing, start here. Anything else, ask us.
Add your buy box once. We'll match you with off-market, seller-financed homes nationwide that fit your criteria — automatically, as new ones come in.
Add my buy box — free → Free · No credit check · No obligation · 30 seconds