Owner Financing - How it Works

Purchase one of our Houston, Texas area homes and we will finance it for you.

What to expect when buying a home with us

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Is it your dream to own your own home in Houston or San Antonio, Texas?


Are you sick of throwing away your hard-earned money on rent when you could be building equity and growing your personal wealth?

Have unfortunate circumstances put you in a position where the bank won't give you a mortgage to buy a home in Houston or San Antonio?

Here's How Our Owner Financing Program Works

At Karma Homeowner Opportunities, we help our fellow Texas neighbors who want to buy a house in Houston and the surrounding area.

  • We acquire homes that are suitable for our Owner Financing Program and list them HERE.
  • We owner finance the purchase of the home for you just like a bank mortgage.
  • We structure our loan for you so that your monthly payment to own the house (including loan payment, property taxes and homeowners insurance) is on par with what you would pay to rent a similar house.
  • We require you to pay a sizeable down payment on the home purchase and then we will finance the balance for a period of up to 30 years.
  • You own the property from day one and you are responsible for upkeep and maintenance, because it’s YOURS! This is not a rent-to-own program.
  • If you have bruised or damaged credit, that's OKAY! If you are recently self-employed, that's OKAY! You can still buy one of our houses as long as you or your spouse have steady income enough to cover your monthly payments and a sizeable down payment.
  • Have more questions about owner financing? Visit our FAQ page or give us a call at 281-809-0994.

Our 4-Step Owner Financing Process

Step 1: Fill out our Owner Financing Questionnaire which will ask you to provide basic income and employment information. You will be added to our email and text message list and begin receiving notifications whenever there is a new house available.

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Step 2: Find a property you like on our Homes For Sale Page or in one of our text or email alerts and contact us right away. On the phone we will go through a short intake process, answer all your questions and make sure you meet our basic qualifications. We will then take you and your family for a tour of the house. If you love the house and wish to continue the buying process, we will ask you to provide some additional information.

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Step 3: Complete the Application Process. We will guide you through a formal application process with our Residential Mortgage Loan Originator (RMLO) to make sure that you are buying a house you can afford. The RMLO will insure TILA and Dodd Frank Compliance, which is a requirement for all owner financed home sales in the State of Texas. This process is confidential and custom to each buyer’s unique financial situation. For more information, see our Privacy Policy.

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Step 4: Closing the Purchase of Your New Home: Our Team of Professionals will attend to the closing of the purchase of your new house. You will receive the deed and the keys to your new home and a huge CONGRATULATIONS!

Our 4-Step Owner Financing Process

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Step 1: Fill out our pre-approval questionnaire which asks you to provide basic income and employment information as well as details about the kind of home you are looking for. You will be added to our mailing list and receive notification whenever a new property becomes available.

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Step 3: View the House & Sign the Contract. You will be able to go see the property before submitting the final offer to purchase your new home and signing the purchase contract.

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Step 2: Find a property you like on our For Sale Page or in one of our emails and contact us right away. We will walk you through a formal application process with our Loan Originator to make sure that you are buying a house you can afford. This process is confidential and custom to each buyer’s unique financial situation. For more information see our Privacy Policy.

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Step 4: Closing the Purchase of Your New Home! Our Team of Professionals will do what they do best to close the purchase of your new house and your loan with us. The Loan Originator (RMLO) will insure TILA and Dodd Frank Compliance. A Real Estate Attorney and Title Company will provide Clean Title and Title transfer, recorded with the County Clerk. Our Loan Service Company will be set up to collect your monthly loan payments and remit loan payment and escrow payments to the appropriate parties. You will receive the deed and the keys to your new home and a huge CONGRATULATIONS!

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