We're bridging the gap between families who deserve homeownership and property owners willing to offer creative financing solutions.
Traditional lending has failed millions of good families. Self-employed entrepreneurs, people with medical debt, families who faced financial hardship during life's unexpected challenges - they all deserve a path to homeownership.
We believe homeownership shouldn't be limited to those with perfect credit scores. Ownerfi connects these deserving families with property owners who are willing to offer direct financing, creating win-win opportunities for everyone involved.
of Americans have subprime credit scores
of mortgage applications are denied
in wealth trapped in rental payments
Millions of hardworking families are stuck in the rental cycle, paying someone else's mortgage while building no equity for themselves. Traditional banking serves only those with perfect credit histories, leaving behind good people who've faced life's challenges.
We believe in evaluating people based on their current situation and future potential, not just their past financial history. Every family has a story, and every story deserves consideration.
Owner financing eliminates the bureaucracy and inflexibility of traditional lending. We show buyers properties where creative financing may be possible, and refer them to licensed buying agents in their area to represent them through the process.
Our platform uses data and technology to show buyers owner-finance properties based on their budget and preferences. When they find one they like, we refer them to a licensed buying agent in their area to write an offer.
Whether you're a family seeking homeownership or a real estate professional looking to help more clients, Ownerfi provides the tools and connections you need.
You can use Ownerfi to find properties anywhere in the United States. We list the owner-financed and seller-financed homes we find, sourced from markets across the country, and buyers in any state can browse and enquire about any listing on the platform. There is no geographic restriction on who may use the site. Coverage varies by state and changes as inventory changes — some states have many listings at any given time and others have none.
Ownerfi is not a brokerage. Publishing property listings and educational material is not real estate brokerage, and it is not something we do on anyone's behalf. Ownerfi does not represent buyers or sellers, does not negotiate on your behalf, and does not provide legal, tax, or financial advice — in Tennessee or in any other state.
Representation comes from a licensed agent in the property's state. Real estate licensing is state by state. When you are ready to make an offer, you work with an agent licensed in the state where that property sits. Our referral relationships operate through licensed brokerages, and our own referral business is based in Tennessee.
Nothing on this site is legal, tax, or financial advice. Property details come from third-party sources and must be independently verified. Have a licensed attorney in the property's state review any documents before you sign them.