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    • Home
    • Home Search
      • Map of Katy Neighborhoods
      • 55 Plus Communities Homes
      • Buy Before You Sell
      • Cypress Homes
      • Dream Homes
      • Find A New Home
      • Home Listings
      • Homes with pool
      • Katy Homes
      • Houston Homes
      • Fulshear Homes
      • Missouri City Homes
      • New Construction Homes
      • Land for Sale
      • Map Search
      • Richmond Homes
      • Spring Homes
      • Sugarland Homes
      • The Woodlands Homes
      • Tomball Homes
      • Foreclosure homes
      • For Lease Homes
      • Advanced Home Search
    • Home Resources
      • Apply Now
      • Home Equity Options
      • Buy Before You Sell
      • One-Stop Real Estate
      • Current Mortgage Rates
      • What Is My House Worth
      • Home Buyer's Guide
      • Home Seller's Guide
      • Owner Financing Homes
      • HAR Houston Homes
      • Houston HOA Homes
      • Real Estate Market News
    • Blog/Info
      • New Beginnings Blog
      • Contact Us
      • Order Our Book
      • Our Team
      • Real Estate Agents
    • Calculators
      • Blended Rate Calculator
      • Buy Vs Rent Calculator
      • Capital Gains Calculator
      • Closing Cost Calculator
      • Property Taxes Calculator
      • Mortgage Calculator
      • Refinance Calculator
      • Seller Net Sheet Texas
      • Mortgage Assumption Tool
      • House Affordability
      • Reno Loan Calculator
      • Mortgage BuyOut
      • Buyer Closing Cost
      • Rate Buydown Calculator
      • Real Estate Commission
      • Home Builder Discounts
      • 2-1 Buy Down Tool
      • Rental Calculators
      • BRRRR Calculator
      • Cash on Cash Returns
      • Loan Comparison Tool
      • DSCR Loans
      • Inherited property Homes
      • FHA 203K Loan Calculator
      • Energy Cost Calculator
      • Affordability of Rent
    • Divorce
      • Navigating Divorce Book
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      • Divorce Real Estate
      • Divorce Hub
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      • Divorce Resources
      • Divorce Seminar
      • Divorce Support
      • What Happens To The House

832.483.0829

The Gifford Group

Signed in as:

filler@godaddy.com

  • Home
  • Home Search
    • Map of Katy Neighborhoods
    • 55 Plus Communities Homes
    • Buy Before You Sell
    • Cypress Homes
    • Dream Homes
    • Find A New Home
    • Home Listings
    • Homes with pool
    • Katy Homes
    • Houston Homes
    • Fulshear Homes
    • Missouri City Homes
    • New Construction Homes
    • Land for Sale
    • Map Search
    • Richmond Homes
    • Spring Homes
    • Sugarland Homes
    • The Woodlands Homes
    • Tomball Homes
    • Foreclosure homes
    • For Lease Homes
    • Advanced Home Search
  • Home Resources
    • Apply Now
    • Home Equity Options
    • Buy Before You Sell
    • One-Stop Real Estate
    • Current Mortgage Rates
    • What Is My House Worth
    • Home Buyer's Guide
    • Home Seller's Guide
    • Owner Financing Homes
    • HAR Houston Homes
    • Houston HOA Homes
    • Real Estate Market News
  • Blog/Info
    • New Beginnings Blog
    • Contact Us
    • Order Our Book
    • Our Team
    • Real Estate Agents
  • Calculators
    • Blended Rate Calculator
    • Buy Vs Rent Calculator
    • Capital Gains Calculator
    • Closing Cost Calculator
    • Property Taxes Calculator
    • Mortgage Calculator
    • Refinance Calculator
    • Seller Net Sheet Texas
    • Mortgage Assumption Tool
    • House Affordability
    • Reno Loan Calculator
    • Mortgage BuyOut
    • Buyer Closing Cost
    • Rate Buydown Calculator
    • Real Estate Commission
    • Home Builder Discounts
    • 2-1 Buy Down Tool
    • Rental Calculators
    • BRRRR Calculator
    • Cash on Cash Returns
    • Loan Comparison Tool
    • DSCR Loans
    • Inherited property Homes
    • FHA 203K Loan Calculator
    • Energy Cost Calculator
    • Affordability of Rent
  • Divorce
    • Navigating Divorce Book
    • Child Support Calculator
    • Divorce Buyout Calculator
    • Divorce Videos
    • Refinance Closing Cost
    • Divorce Real Estate
    • Divorce Hub
    • Refinance Now
    • Divorce Checklist
    • Divorce Resources
    • Divorce Seminar
    • Divorce Support
    • What Happens To The House

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Learn More today about our Owner Financing

Owner Financing Property in Houston Texas

The newest Home that we are offering Owner Financing Property in Houston TX  

We can help you buy a home with bad credit. OWNER FINANCING

No Credit Requirements, Get Financing today. Don't let Divorce stop you from homeownership.

Bad Credit, No Problem

No credit or income verification is required. Buy any home* listed on the market for sale in Texas – even a brand-new home.  


 Learn more today Alternative Financing 

We are Houston area Real Estate Agent are here to help you get into a new home Today. 

Home Buyer Benefits

  • NO Prepayment Penalty
  • NO Social Security Number Needed
  • Deed in Your Name
  • NO Tax Returns
  • Single Digit Fixed Rates
  • NO Time on Job Requirments
  • Foreign Nationals Okay
  • We are Local Real estate agents and Lenders


Begin your home search today here

3rd party Owner Financing on your Home of Choice

No Credit Check or Income Verification


We can help you buy a home with bad credit.

 Find out More today  bimbuyer.com/SG0713   

Getting a Loan for a House

 Your first home purchase is a crucial step, and choosing the right mortgage is important. There are a variety of financing options available to first-time homebuyers but researching the basics can save you a great deal of time and money. 


 Mortgages are loans that are used to buy homes and other types of real estate. 


FAQs

What do I need to qualify?

You must be able to come up with at least a 15% down payment. 20% is ideal. 

For example, a 15% down payment on $200,000 home is $30,000.


Do you have an IRA or a 401k?

If yes: Do you know that you can borrow from your IRA or 401K.


Home expensive of a home can I Purchase?

This program is geared for single-family homes in the price range of $180,000 to $2,000,000.


Is there an Income Requirement? 

There is no income requirements to purchase a home. Your Cash is your Credit. 


Are there any other Important Rules? 

Yes, you must live in the home as an Owner Occupant.


Can I purchase a Condo?

No, this program is not for Condos, Mobile Homes, or Land. Only single-family homes in livable condition. 


Can I qualify if I am self-employed with a non-verifiable income?

Yes, your cash is your Credit, you won't be asked to show bank statements or tax returns.


Where Can I find out more?

Start today Click here  


Get Your Dream Home Even with Bad Credit. Any ‘Listed’ Home*.

Looking for Non-QM Loan Products

Non-QM Borrower?

What are a Non-QM Products?

 Non-QM vs. Qualified Mortgage Non-QM loans are an alternative to qualified mortgage (QM) loans.  This means we are able to offer a chance of home ownership with good rates to a wider range of people! 


 Non-QM is the fastest-growing segment of non-traditional lending. A loan solution for a borrower with unique financial circumstances, it does not fit the mortgage mold typically associated with conventional government-backed loans.  Apply today

Is It Easy to Qualify for a Non-QM Loan?

Qualification for a Non-QM loan is quick and stress-free.   Our Non-QM specialists can identify what types of loans would best fit a borrower’s financial needs and are available to assist every step of the way. Preapproval is fast and easy. Contact Us and fill in the information sheet to get started. 

Who Is the Non-QM Borrower?

  •  Self-Employed 1099s
  • High Income With Multiple Income Streams
  • Investors With Multiple Rental Units
  • Second Home Buyers
  • Buyers With Bad Credit

What Are Some Types of Non-QM Loans?

  • No Doc or Alternate Doc
  • Jumbo Loans with As Low As 10% Down
  • No Income Investment Loans
  • Interest-Only Loans
  • Foreign National (ITIN) Loans
  • Bank Statement Loans

Non-QM Prime Products to tackle unique loan scenarios so you can qualify more borrowers.

 Flexibility in our credit requirements is what makes all the difference. 

Flex Expanded Credit

Your borrowers demand flexibility. And that's why our Expanded Credit Program tackles your hard-to-qualify loan scenarios with proven success. Take advantage of our more lenient credit requirements with only a 580 minimum FICO score and bank statement options that will allow you to secure loans for a broader range of borrowers. 

Flex Foreign National

Our Foreign National Program ensures that financing a mortgage for non-U.S. citizens is as simple as possible. Our program enables purchasing, refinancing, or investing in U.S. real estate regardless of the citizenship status of your borrower. Our mortgage specialists are trained to help you secure the right foreign national financing for your borrowers. 

What Can I Afford?

How Much House Can You Afford?

 It's likely that you'll have a lot of questions when buying a home. Finding out how much house you can afford is the first step. Our easy-to-use calculator uses your monthly income and projected loan term to calculate your monthly payments. Build your personalized home buying team once you know your estimated home affordability. 


Affordability Calculator 

  • Understand how much house you can afford   
  • Budget for an affordable monthly payment   
  • View home prices that work with your budget 




What's Your Monthly Payment?


Monthly Payment Calculator

  •   Budget for an affordable monthly payment
  •   Compare loan terms to see interest savings
  •   View amortizations broken down per payment


 

Conventional Loans

This is the most common loan option and meets the needs of most people. Due to a lack of government backing, they do require better credit to qualify. The overall cost is typically lower than most comparable government-backed loans. Read more 


Do you want to know if you can qualify for a convection Loan? Apply Today

Let the Gifford group help you find a home

"Opening Doors to New Beginnings."

Find a new home

Begin Your Home Search

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Newly listed Katy Homes $200,000 to $1,500,000 Price Range


THE GIFFORD GROUP, LLC – ALL RIGHTS RESERVED


Equal Housing Opportunity
Opening Doors to New Beginnings

Real estate services in Greater Houston through The Gifford Group, LLC.
Mortgage services available in all 50 states through Supreme Lending (NMLS #2129).


© 2025 The Gifford Group. All rights reserved. All photos, images, and videos on this website are copyrighted and may not be downloaded or reused without written permission.


Broker: Amber Gifford of The Gifford Group, LLC, Real Estate LLC, License #9014675
Information About Brokerage Services (Amber Gifford) | Texas Real Estate Commission Consumer Protection Notice

Amber Gifford, TREC Lic. #0732687 – IABS Notice
Scotty Gifford, TREC Lic. #0740987 – IABS Notice


SUPREME LENDING (MORTGAGE)
Scotty Gifford, NMLS #2357310
Mortgage lender is Everett Financial, Inc. dba Supreme Lending, NMLS #2129
Supreme Lending is not affiliated with The Gifford Group.
Scotty Gifford is both a licensed Real Estate Agent and Mortgage Loan Officer (MLO) at Supreme Lending.

© 2024 Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
14801 Quorum Dr., #300, Dallas, TX 75254 | 877-350-5225
NMLS Consumer Access


Equal Housing Opportunity Lender. All rights reserved.


This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice and may not be available in all states. All products are subject to credit and property approval. Supreme Lending is not affiliated with any government agency.

Supreme Lending is an equal opportunity employer and does not practice discrimination based on age, gender, race, religion, national origin, or any other rights afforded to applicants under state and federal law.


For Texas borrowers only: Texas Complaints/Recovery Fund Notice (PDF)
Licensing | Privacy Policy | Consumer Complaints | Terms of Use


 This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York. For New York applicants, please visit our New York authorized website: www.SupremeLendingNewYork.com. 

 

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