Owner finance finder
We exist because banks said no to the wrong people.
Texas owner-finance specialists helping buyers, sellers, and investors close the deals traditional lending can’t make work. Based in the Greater Houston area. Statewide service.
Texas Owner Finance Plain English
Built for the buyers the system missed.
“Most of our buyers had been told no five or six times before they found us. They weren’t bad borrowers — they were good people with self-employment, recent moves, medical debt, or just the wrong year of credit history.”
— Kenny, Director of Sales
Owner Finance Finder started with a simple observation: traditional mortgage underwriting was designed for a workforce that no longer exists. Self-employed buyers, gig workers, recent immigrants, families recovering from a hard year — locked out of homeownership not because they couldn’t pay, but because their paperwork didn’t fit the form.
So we built the operation around the people the system missed. We learned every Texas-legal way to structure a deal: owner finance, wraparound mortgages, Subject-To, contract for deed where appropriate, seller carrybacks. Then we built relationships with the sellers willing to work with us — sellers with paid-off homes, sellers who needed to move and couldn’t list, sellers with rentals ready to convert.
Every listing on this site shows the actual monthly payment — principal, interest, taxes, insurance — before you ever fill out a form. That’s not a marketing trick. It’s how we think about this work.
Today we work across Houston metro, San Antonio, DFW, Austin, and the Spring–Katy corridor. We answer the phone in English and Spanish. We tell people the truth about whether owner finance is right for them, even when the truth means a no.
If you’re a buyer banks have told no, a seller a traditional listing won’t help, or an investor looking for clean Subject-To deal flow — keep reading. There’s a path here, and we know how to walk it with you.
Texas Owner Finance Plain English
What we commit to on every deal.
The same three commitments to every buyer, every seller, every investor we work with.
The Math
PITI shown upfront. Always.
Every listing shows the actual monthly payment — principal, interest, taxes, and insurance — before you fill out anything. Interest rate disclosed. Down payment disclosed. Loan term disclosed. Use our Owner Finance Finder to quickly browse available properties and find owner-financed homes that match your budget and goals: https://ownerfinancefinder.com/
Why it matters
Most real estate sites hide the financing math. We lead with it because that’s the only number you actually need.
The People
We work with where you are.
Self-employed, 1099, recent bankruptcy, low credit, or not quite ready with a down payment — we’ll tell you honestly what’s possible. Our Owner Finance Finder helps connect you with opportunities that may fit your situation, and we’ll also tell you when owner financing isn’t the right move for you.
Why it matters
Bad advice on a 30-year loan costs more than a wasted year. We’d rather lose the deal than send you into one that won’t work.
The Math
Close in 3–5 weeks, not 90 days.
From pre-qualification to keys in hand averages 3 to 5 weeks across our deals, compared to 60–90 days with a traditional mortgage. Faster because no bank underwriting is in the critical path. With our Owner Finance Finder, you can start exploring available properties and financing options right away.
Why it matters
When the seller agrees, we move. Attorney + title company involved on every deal — no shortcuts on the paperwork.
The Team
The people who answer when you call.
A small, focused team based in the Greater Houston area. No call centers, no 1-800 numbers, no handoffs.
Director of Sales
Kenny Almendares
Leads the buyer and seller representation side of Owner Finance Finder. The first person you talk to when you reach out.
Houston
Based
Sales Associate
Rene Galeas
Texas owner-finance specialist focused on matching difficult-to-place buyers with sellers willing to make the deal work. Handles buyer pre-qualifications, seller property submissions, and ongoing client communication across the Houston, San Antonio, and Spring–Katy markets. Bilingual support throughout the process.
Houston
Based
How We Run a Deal
Texas owner finance is a structured transaction.
Here’s how we run a deal — and what every closing includes.
Attorney-reviewed
Every deal we structure gets attorney review before signing. We don’t close on paperwork that hasn’t been read by a Texas real estate attorney.
Title company involved
Every closing goes through a Texas-licensed title company. Title search, title insurance, escrow — all standard, all required.
PITI disclosed upfront
Principal, interest, taxes, insurance — disclosed before any form gets filled out. No surprise math at closing. No hidden line items.
Texas only
We work Texas deals exclusively. Texas property law, Texas title companies, Texas attorneys. Specialists, not generalists.
Ready to find out where you stand?
Pre-qualify in 24 hours. Soft credit pull only. Zero obligation. We’ll tell you what you actually qualify for — and the Texas homes that match.