Americas Best Home SolutionsOwner Financing
Owner Financing · No Bank Needed

Own the home.
Skip the bank.

Owner-financed homes across Illinois, Missouri, Michigan, Alabama & more — a price locked the day you sign and a monthly payment close to rent.

Your past doesn't have to decide your future. If you've been turned away by banks, this was built for you.

Homes available
No bank
No mortgage app
Locked
Price never rises
Cities & towns
Why people choose us

A real path to owning —
without the bank in the way

You're buying, not renting

Your name is on the agreement from day one. You're the homeowner — not a tenant.

No bank, no mortgage maze

We finance the home to you directly. No mortgage application standing between you and the keys.

The price is locked

What you agree to today is what you pay. It won't go up while you pay it down.

A payment close to rent

Own a home for about what you'd pay a landlord — and every payment builds toward it being yours.

Simple from start to keys

Own your home in 4 steps

No long approvals. No runaround. Here's the whole path.

1

Reach out

Call or text us, or send your info below. Tell us what you're looking for.

2

Tour a home

Pick a home you like and we'll set up a time to walk through it together.

3

Sign a simple agreement

We finance it ourselves with a contract for deed — plain language, no surprises.

4

Get the keys

Make your move-in payment and the home is yours to live in from day one.

See exactly how owner financing works →

Available now

Find your home

No homes match those filters

Try "All states" or "Any" — or call us and tell us what you're looking for.

In their words

Families we've helped home

★★★★★

“For years I figured owning a home just wasn't for people like us — the banks always found a reason to say no. Somebody here actually listened. Now my kids have their own rooms and a yard to play in. We're not renting anymore — we're building something that's ours.”

M
Marcus
Decatur, IL
★★★★★

“I was so tired of paying rent every month and having nothing to show for it. Now that same payment goes toward a home that's actually mine. It honestly felt too good to be true — but here we are, in our own place.”

L
Latoya
St. Louis, MO
★★★★★

“No bank, no runaround, nobody treating me like just a credit score. They walked us through everything in plain English. The day we got the keys, I called my mother crying. This is the American dream we thought had passed us by.”

J
James
Flint, MI
Do the math

Every month, you're paying for a home.
The only question is whose.

When you rent

  • Your money is gone on the 1st — you'll never see it again
  • You're paying off the landlord's property, not yours
  • Rent goes up, and you can't stop it
  • After 10, 20, 30 years — nothing to show for it
  • Nothing to pass down to your kids

When you own

  • Every payment pulls toward a home that's yours
  • Your price is locked in writing — it never goes up on you
  • Paint it, fix it, make it yours — it's your property
  • An asset — a legacy you can pass to your children
  • If your neighborhood rises in value, that upside is yours

The part nobody tells you

Here's what we've watched happen, market after market: the neighborhoods where we offer these homes don't stay down forever. Over the years, many of them turn around. Banks that once said "no" to the area start lending there again. And the families who stuck with it — who kept making that monthly payment — are the ones holding a home at a price they locked years earlier, in a neighborhood now worth more. Some have refinanced. Some have sold and walked away ahead. Every one of them owned something real.

That's why we treat this as a golden opportunity — and why we don't offer it to just anyone. We take on a limited number of buyers at a time, and we look for serious people: families who understand the responsibility that comes with the keys, and want the reward that comes with it.

Nobody can promise you the future. But one thing is certain: rent never pays you back.

Every home and market is different — past experiences aren't a guarantee of future value. What's guaranteed is what's in your written agreement: your locked price and your terms.

Why we exist

We believe everyone deserves a place to call their own.

Americas Best Home Solutions was built on a simple belief: owning a home shouldn't be out of reach for hardworking families. For generations, homeownership has been the heart of the American dream — and the surest path to building real, lasting wealth.

When you rent, every payment disappears into someone else's pocket. When you own, that same monthly payment builds something that's yours — a home that grows in value over the years, that you can pass down to your children, or one day hold as an investment. Renting buys you a place to stay. Owning buys you a future.

Across the markets we serve, we've found good, quality homes we can offer through owner financing — at a monthly payment comparable to rent. No bank. No mortgage maze. Just a real, honest path to the front door of a home that's truly your own.

Why keep paying rent for a life you'll never own — when you could own the home instead?
— The team at Americas Best Home Solutions
Payments comparable to rent A price locked in writing Homes in IL · MO · MI · AL
Start your path to owning

This isn't for everyone.

We take on a limited number of buyers at a time — and we look for serious ones. If you're ready to stop renting and start owning, apply below and we'll reach out.

Application received — nice move.

You just did what most people only talk about. We'll reach out shortly — in the meantime, feel free to call or text us below.

Americas Best Home Solutions LLC — a registered business

Hundreds of homes sold to families

A real person answers your call or text

See any home in person before you decide