Self-employed or paid on 1099
Lenders get nervous about non-W-2 pay. We don’t.
Veteran & family owned
Own a Home — Even If Your Credit Isn’t Ready Yet
Bank said no? You still have a path. Tell us what you’re looking for, we connect you with homes, and you make an offer that works for you.
- Free to join — no credit check
- Talk to a real person, not a website
- Your info is never sold
Takes about 2 minutes. No obligation.
How It Works
Simple: you make an offer, we connect you with homes.
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1
Join the buyer list
Tell us where you want to live. It’s free and takes about two minutes.
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2
We connect you with homes
We call you to learn what you need, then let you know when a home fits.
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3
You make an offer
Offer the down payment and monthly payment that work for you. The more flexible you are, the better the terms we can provide.
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4
Move in on the path to owning
You live in the home with the written right to buy it. When you buy, your option payment counts toward the price.
Is This For You?
A bank’s “no” doesn’t have to be the end of the road. We work with people who are:
Rebuilding after a setback
A past bankruptcy, foreclosure, or collection doesn’t rule you out.
Just missed approval
“Almost” isn’t good enough for a bank. It can be for us.
New to U.S. credit
A short credit history doesn’t have to hold you back.
Buyer Stories
“I’ll admit, I thought this was another scam at first. But I needed a way to buy, so I got on their buyer list. The team was friendly, and three weeks later I was matched to a property, and it was perfect. I submitted my offer, and to my surprise I was accepted. Now I’ve got the perfect home!”
— Luke, San Antonio, TX
“It was simple. They walked me through everything step by step, they answered all my questions, and now I’m living in my dream home here in FL.”
— Steve, Lynn Haven, FL
Who We Are
CreditFreeHomeBuying.com is a veteran- and family-owned business. We buy homes and offer them to qualified buyers on a lease with a written option to purchase — a path to ownership for people banks turn away for the wrong reasons.
You can call and talk to a real person. We’re here, we’re small, and we answer the phone. That’s the point.
Talk to a real person — call the number for your area:
Texas: (361) 255-3070
Florida: (850) 854-8855
Email: buyers@creditfreehomebuying.com
Common Questions
Is this legit, or is it a scam?
Fair question. CreditFreeHomeBuying.com is a veteran- and family-owned business, and our phone numbers are right on this page. Call and talk to a real person. Every term is in writing before you pay anything, and we encourage you to have your own attorney review it.
What is a lease option?
You rent the home and also get the written right to buy it at a price agreed up front. Your option payment secures that right and counts toward the price when you buy.
Do I need good credit?
No. There’s no credit score minimum and no credit check to join. We’ll talk through your situation when we call.
How much money do I need?
There’s no set amount. You make an offer for the down payment and monthly payment that work for you. The more flexible you are, the better the terms we can provide.
What does it cost to join?
Nothing. Joining is free and there’s no obligation.
Are you a mortgage lender?
No. We’re not a lender, bank, or credit-repair company. This is a lease with a written option to buy.