LEASE TO OWN — NO BANK REQUIRED

Stop Renting.
Start Owning.
Even With Imperfect Credit.

Our Owner Finance Program bridges the gap between where you are today and where you want to be — in your own home, building equity, on your terms.

NO
Bank Required
12
Month Credit Repair Window
100%
Legal & Protected
Book a Free Consultation See How It Works
No Bank Approval Needed Move In Now Build Equity While Repairing Credit Legal & Fully Protected
Watch This First

Before You Reach Out —
Please Watch This in Full

This short video explains exactly how our programs work, who qualifies, and what to expect. Understanding the process upfront means our call together will be more focused and productive for you.

Please watch this video in its entirety before contacting me. This will ensure we make the most of our time together and I can best serve you.
After watching, scroll down to learn about both programs available to you, then book your free consultation.
Why Choose Us

The Program Built for Buyers
Who Are Ready to Own

Everything you deserve from homeownership — without waiting for perfect credit or a bank's approval.

No Bank? No Problem.

You don't need to qualify with a traditional lender. The seller acts as the bank — giving you a direct path to ownership without the red tape.

Move In Immediately

Stop renting and start living in your home right now. You move in while your credit repair is in progress — not after.

Build Equity From Day One

Every payment you make goes toward your future. You're building equity and ownership stake — not just paying someone else's mortgage.

12-Month Credit Repair Window

You have a full 12 months to repair your credit and refinance into a conventional mortgage — a realistic, structured timeline designed for success.

Legally Protected Transaction

We structure a proper Owner Finance Agreement that legally protects you as the buyer. We become a party to the deal — so everything is documented and enforceable.

We Handle Everything

You bring the property, we handle the rest. From structuring the agreement to holding the note and managing the legal side — we do the heavy lifting so you can focus on moving into your new home.

Sound Familiar?

Common Buyer Frustrations —
Solved

We built this program specifically for people who are ready to own but keep hitting walls with the traditional process.

Problem

Denied by the Bank

Your credit isn't perfect yet, and traditional lenders keep saying no — even though you're responsible and ready. Our solution: The seller acts as the bank. No credit score requirement to get started.

Problem

Stuck in the Rental Cycle

You're paying rent every month but building zero equity. It feels like you're spinning your wheels. Our solution: Move into your own home now and start building equity while your credit heals.

Problem

No Clear Path to Ownership

You don't know when — or if — you'll ever qualify for a conventional mortgage. There's no roadmap. Our solution: A structured 12-month program with a clear path: move in, repair credit, refinance, own it.

Problem

Saving for a Down Payment

You're working hard to save but the goalposts keep moving. Housing prices rise faster than your savings. Our solution: Get into your home now without the traditional down payment barrier while you build your financial foundation.

Problem

Fear of Legal Complexity

Owner financing sounds risky or complicated — you're not sure if you'd be legally protected as a buyer. Our solution: We structure a legally binding Owner Finance Agreement. We're a named party to the deal — your rights are iron-clad.

Problem

Don't Know Where to Start

The whole process feels overwhelming. You don't know what steps to take or who to trust. Our solution: Brittany walks you through every step. One call is all it takes to get started.

Step-by-Step

How the Lease to Own
Program Works

A simple, transparent process designed to protect you and get you into your home as quickly as possible.

1

You Find the Property — We Structure the Deal

You find the home you want and bring it to us. We evaluate the property, confirm it qualifies for the program, and get to work structuring the deal. We loan 75% of the After Repair Value (ARV) — so your down payment varies based on the property, keeping things fair and deal-specific.

2

We Structure the Owner Finance Agreement

We create a legally binding Owner Finance Agreement. We hold the note — not the seller, not a bank. This agreement outlines your monthly payments, the 12-month term, and the full purchase price based on 75% of the ARV. Everything is documented, enforceable, and designed to protect you.

3

We Assign the Contract & Hold the Note

We assign that contract directly to you and we hold the note throughout the term. This makes us the legal party responsible for the agreement — giving you a structured, professional relationship rather than dealing with an individual seller.

4

You Move In & Repair Your Credit

You move into your new home immediately and begin making monthly payments directly to the seller. During this time, you work on repairing your credit to qualify for conventional financing.

5

You Refinance & Own Your Home

Within the 12-month window, you refinance into a conventional mortgage. The seller receives full payment and the home is officially, legally yours. The bridge has been crossed.

Program 2

Seller Finance to Own —
The Seller Holds the Note

Found a home but the seller won't budge on price? That's not the end of the road. Our Seller Finance program can still get you into that home — with a lower down payment, no bank required, and Brittany negotiating on your behalf. Flat rate of 15% per month, payments due the 1st of every month, and our credit repair program is included every step of the way.

What Is Seller Financing?

When a seller won't negotiate on price, most buyers think they're stuck. They're not. Our Seller Finance program steps in and structures a deal where the seller holds the note directly — meaning you make payments to the seller instead of a bank. Brittany negotiates the down payment and deal terms on your behalf so you're fully protected. The program runs at a flat 15% rate per month, with all payments due on the 1st of every month — clear, consistent, and no surprises. Our credit repair program is built into the process, giving you up to 12 months to improve your score and refinance into a conventional mortgage. At closing, the seller is paid in full and the home is yours.

Lower Down Payment

Traditional mortgages demand 3–20% down. With seller financing, the down payment is negotiable — making homeownership accessible even if you haven't saved a large lump sum.

Clear, Fixed Terms

No guessing on the numbers. This program has a flat rate of 15% per month and all payments are due on the 1st of every month — simple, predictable, and the same for every deal.

15% Flat Rate Due the 1st

No Bank Approval

The seller sets the terms, not a bank. If your credit isn't perfect yet, that's okay — you can still move forward while you work on improving your score.

We Negotiate on Your Behalf

You don't have to go head-to-head with a seller alone. Brittany negotiates the down payment and deal terms directly on your behalf — so you get the most favorable agreement possible. The program runs at a flat rate of 15% per month with payments due on the 1st of every month, giving everyone a clear, structured agreement from day one.

Move In While You Repair

You move in immediately — no waiting. The 12-month window gives you time to repair your credit and refinance while you're already living in your home, not sitting in a rental waiting for the stars to align.

Fully Legal & Protected

We structure a proper Owner Finance Agreement that protects you as the buyer. We become a named legal party to the deal — your rights and the terms are iron-clad from day one.

Build Equity Immediately

From your very first payment, you're building equity in a home that belongs to you. When you refinance, you walk away with real ownership — not just a rental history.

Credit Repair Program Included

Our credit repair program is included with every Seller Finance deal. We connect you with the right resources to improve your score during your 12-month window — so when it's time to refinance, you're ready and fully qualified.

Included at No Extra Cost

How the Two Programs Compare

Feature Lease to Own Seller Finance to Own
Who Finds the Property You find it, we structure the deal You find it, we structure the deal
Down Payment Varies — we loan 75% of the ARV Negotiable with seller
Who Holds the Note We hold the note Seller holds directly
Bank Required No No
Credit Repair Window 12 Months 12 Months
Legal Protection Owner Finance Agreement Owner Finance Agreement
Negotiation Support We structure the deal Brittany negotiates down payment & deal terms for you
Credit Repair Program Included Included — at no extra cost
Best For Buyers who need financing — we loan 75% of ARV & hold the note Buyers who encounter sellers that won't negotiate on price — we can still get you into the home using this method

Not sure which program is right for you?

Let's Talk — Book a Free Consultation
Side by Side

Traditional Renting vs.
Lease to Own Program

See exactly why buyers are choosing the smarter path to homeownership.

Feature Traditional Renting Lease to Own Program
Bank Approval Required Yes — Strict Requirements No — Seller Is the Bank
Equity Building None — You Build Nothing Yes — From Day One
Move-In Timeline Rent Until Credit Is Perfect Move In Immediately
Credit Repair During Occupancy No Support or Structure 12-Month Structured Window
Legal Protection Standard Lease Only Owner Finance Agreement (We're a Legal Party)
Path to Ownership No Clear Roadmap Clear, Structured 12-Month Plan
Monthly Payments Paying Someone Else's Mortgage Paying Toward YOUR Future Home
Meet Brittany

A Specialist Who's
In Your Corner

BF
Brittany Fontenot
"Your dream of homeownership doesn't have to wait for perfect credit. Let's build that bridge together."

Based in Louisiana and serving buyers nationwide, I specialize in connecting people with homes through our Owner Finance Program — a smarter, more accessible alternative to the traditional mortgage process.

I know firsthand how frustrating it is to feel ready for homeownership but get blocked by a credit score or a bank's rigid requirements. My mission is simple: be the bridge that gets you from where you are today to the home you deserve.

I work directly with sellers who are open to owner financing, structure airtight agreements that protect you legally, and guide you through every step of your credit repair and refinance journey — until you're holding the keys to your own home.

Nationwide Program Owner Finance Expert Credit Repair Support Legal Protection 12-Month Path to Ownership
Talk to Brittany
Book a Call

Ready to Take the
First Step?

Schedule a free consultation with Brittany — no obligations, no pressure. Just a real conversation about your path to homeownership.

Prefer to call or text directly?

Call Brittany: 337-358-8641
Ready to Get Started?

Your Path to Homeownership
Starts Today

This consultation is 100% FREE. No obligations. No fees. Just a real conversation about getting you into your own home.

Book a Free Consultation 337-358-8641

No obligations. No fees. Just results.