Turned down by a mortgage lender? Search homes where the seller finances.

We publish owner-financed and creative-finance listings. You search them. Free.

How owner financing worksA plain-English guide before you search.

Learn how owner financing works

Free guides covering the structures, the math, and the risks.

All owner financing guides →

If you keep waiting

Another year of rent, with nothing to show for it.

Listings you never knew existed, gone once they're under contract.

The same automated answer from the same underwriting box.

If you start searching

See listings in your city today, free.

Read what each listing says before you talk to anyone.

Learn how owner financing works before you sign anything.

Save the homes you like and get alerts when new ones are listed.

We know how it feels to be told no when you know you can make the payment.

Self-employed with years of legitimate write-offs. A credit event from years ago. An ITIN and no Social Security number. None of that means you can't afford a house. It means you don't fit the template automated underwriting was built for.

What we do about it: we publish owner-financed and creative-finance listings so you can search them yourself.

6,500+

active listings that mention owner financing

states, plus DC and Puerto Rico

2,100+

cities with listings

80+

new listings added a day

As of September 23, 2026, rounded down. We are not a broker or a lender. We don't approve anyone and we don't set terms. Each seller does.

The Ownerfi Search Path

1Search your cityPick a city, state or ZIP and browse the listings we publish there. Free.
2Read what the listing saysEvery home has its own page showing what the listing says. Terms are set by each seller and are negotiable.
3Do your own due diligenceAsk about the home, and have your own attorney or title company review any contract before you sign.

Search Listings

Recently listed near Columbus, OH

Terms are set by each seller and are negotiable.

$375,999Columbus, OH 432023 bd · 2 ba · 1,196 sq ft

Listed by Daniel D Arthur, Red 1 Realty

$239,000Dublin, OH 430172 bd · 2 ba · 1,152 sq ft

Listed by Emily E Stephen, Realistar

$499,900Lancaster, OH 431307 bd · 11 ba · 22,510 sq ft

Listed by Jaysen E Barlow, Sell For One Percent

The Ownerfi Buyer Commitment

We never charge you to search.
We publish what the listing states. We don't set, negotiate or offer terms.
We're not a broker or a lender. Nothing here is an approval or an offer of financing.
Availability and financing type change. Verify both with the seller or their agent.
Have your own attorney or title company read any contract before you sign or send money.

Read the full legal notices and disclosures →

Owner financing, rent-to-own, lease purchase, subject-to

They're different structures with different risks. We publish listings across all of them and explain the differences in plain English. You decide which fits, and verify the terms with the seller.

Compare the structures →

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