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.
20+Years
Experience
A+
BBB Rating
2 Wks
Average Closing
500+
Homes Purchased
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.
With over 20 years in the St. Louis real estate market, House Sold Easy has helped hundreds of buyers get into homes through our flexible owner financing program.
How the Money Flows
You find a property
Browse our available owner finance listings
We agree on terms
Down payment, interest rate & monthly payment
You move in
Close quickly — often in 2 weeks or less
Monthly payments to us
No bank, no PMI hassle, no red tape
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.
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?
What happens if I can't make a payment?
Can I refinance into a traditional mortgage later?
Is owner financing legal in Missouri?
What areas do you offer owner financed homes in?
How is the interest rate determined?
House Sold Easy
St. Louis's trusted cash home buyers since 2004. We make selling your home simple, fast, and fair — no matter the condition or situation.
Contact
1750 S Brentwood Blvd, Suite 503
Saint Louis, MO
636-525-1566
