Americas Best Home Solutionsgetownerfinancedhomes.com

Owner Financing · No Bank Needed

Own the home.
Skip the bank.

Owner-financed homes across Illinois, Missouri, Michigan, Alabama & more — a fixed monthly payment close to what you're handing a landlord right now. The difference: on the 1st of the month, this one comes back to you as a home that's yours.

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

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Homes available
No bank
No mortgage app
Fixed
Monthly payment
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Cities & towns

Why buy instead of rent

Owner-financed homes. Low down payment. No bank needed.

We sell homes to good, hardworking people, including folks the banks have turned away. Every home is sold as-is: you fix it up your way, make it yours, and stay for the long haul. Rent it out later, or keep it as a place that's truly yours for the long run. It's your home.

  • We finance it, not a bank
  • Low down payment
  • You own from day one

Find a home you like below, then tap Book a Tour on its page. How it works

Nothing matches those filters — yet

New homes come in every week. Clear a filter chip or widen the monthly or down-payment range.

Who you'll be talking to

One number. One team. Every home on this site.

  • ✓You'll know exactly who you're dealing with. Book a tour and you meet the same people who unlock the door and walk you through it — usually the same day.
  • ✓You see it with your own eyes before you decide. Every home is walked in person, and you'll never be asked for money to "hold" a home you haven't stood in.
  • ✓If the one you wanted sells, you're not starting over. — homes across — towns, refreshed every week — tell us what you need and we'll send you the next one.
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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 purchase agreement from day one. You're the buyer — not a tenant — and every payment builds toward owning it outright.

No bank, no mortgage maze

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

Your payment stays put

A fixed monthly payment, in writing. It doesn't climb every year the way rent does — the only thing that could ever move it is a change in property taxes or insurance, and that's spelled out in your terms.

A payment close to rent

About what you hand a landlord today — except now, every 1st of the month, you're one payment closer to a home with your name on it.

Simple from start to keys

Own your home in 4 steps

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

1

Pick a home

Browse the list and book a tour on the home you want to walk through.

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 →

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 that's yours to keep

When you own

  • ✓Every payment pulls toward a home that's yours
  • ✓Your monthly payment is fixed, in writing — it doesn't climb every year like rent
  • ✓Paint it, fix it, make it yours — it's your property
  • ✓An asset — something truly yours, to keep for the long run
  • ✓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 buyers who stuck with it — who kept making that monthly payment — are the ones holding a home at the price they agreed to 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 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 price and your terms.

Browse the homes →
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 people. 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 — a place that's truly yours, to keep for the long run 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 Fixed payment, in writing Homes in IL · MO · MI · AL
See the homes

Americas Best Home Solutions LLC — a registered business

Established in 2023 — every home listed with real numbers

Book a tour and walk the home in person

See any home in person before you decide

Who we are

Americas Best Home Solutions LLC markets owner-financed homes to buyers on behalf of their owners, and buys properties from owners and listing agents who want a straightforward sale.

In a lot of American towns, the monthly cost of renting is higher than the monthly cost of owning the same house — and the only thing standing between a renting family and an owned home is the bank's approval process. We find homes in those towns whose owners will sell on terms, and connect them with the people who want to live in them.

You're buying — not renting

You own from day one

Your name is on the agreement the day you sign. You're the homeowner, not a tenant.

Your payment stays put

A fixed monthly payment, in writing. It doesn't climb every year the way rent does — the only thing that could ever move it is a change in property taxes or insurance, and that's spelled out in your terms.

A payment close to rent

Own a home for about what you'd pay a landlord — and it builds toward something that's yours.

No bank in the way

No mortgage application and no bank approval deciding whether you get a home.

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

Is this the same as renting?

No. When you rent, the money is gone and the home stays the landlord's. Here, you're the buyer from day one and every payment goes toward owning the home at the price you agreed to.

Do I need a bank to buy one of these homes?

No — there's no bank and no mortgage application. The home's owner is the seller, so the purchase is agreed in a written contract between you and the owner. We market the home and guide you through the process.

What do I pay to move in?

Each home lists its move-in payment and monthly payment right on its page. There are no hidden numbers — we go over all of it with you before anything is signed.

Can I paint, fix up, or improve the home?

Yes — it's your home. Many buyers love making it their own. We'll cover any specifics in your agreement.