How It Works
1. Tell us about you
Fill out the 2-minute pre-qualification form. No credit pull, no cost.
2. See homes that fit
Once you submit, you get instant access to our available rent to own and owner finance homes.
3. Move in
Pick your home, tour it, and sign. Most buyers close in a few weeks, not months.
Who This Is For
This program is built for people who are ready to own but can’t get a normal mortgage right now:
- Credit score is low or still rebuilding
- Self-employed or paid in cash
- Past bankruptcy, foreclosure, or collections
- Don’t have 20% saved for a down payment
- Tired of paying rent and building nothing
Renting vs. Owning With Steadfast
| Renting | Steadfast Rent to Own / Owner Finance | |
|---|---|---|
| Your payment builds equity | No | Yes |
| Landlord can raise rent each year | Yes | Payment is set in your agreement |
| Paint, fix up, make it yours | Usually not allowed | Yes, it’s your home |
| Bank approval needed | No | No |
The Homes
- 2 to 4 bedroom homes in Jackson and across West Tennessee
- Price range: $39,900 to $279,900
- Down payments from $3,000 to $30,000
- Many are freshly updated and move-in ready
Available homes are shown right after you pre-qualify.
Get Pre-Qualified in 2 Minutes
No credit check. No obligation. See available homes as soon as you submit.
Frequently Asked Questions
Do I need good credit?
No. We look at your whole situation: income, down payment, and how stable things are. Lots of our buyers have credit the banks wouldn’t accept.
What’s the difference between rent to own and owner finance?
With rent to own, you rent the home with the option to buy it later, and part of what you pay can go toward the purchase. With owner financing, you buy the home now and make your payments to us instead of a bank. We’ll walk you through which one fits you.
How much do I need for a down payment?
Most homes need somewhere between $3,000 and $30,000 depending on the price of the home. Tell us what you have on the form and we’ll show you what fits.
Will you run my credit?
Not to pre-qualify. The form is just so we can match you with the right homes.
What condition are the homes in?
Many are updated and move-in ready. All homes are sold as-is, so you’ll want to walk through and inspect before you buy. We’ll set up the showing.
Can I refinance with a bank later?
Yes. Many buyers use this as a bridge while they rebuild credit, then refinance into a traditional loan.
Stop paying rent on someone else’s house.
Fill out the form and see which homes you can get into this month.
All properties are sold as-is. Buyer is responsible for inspecting the property and making any needed repairs. Pre-qualification is not a guarantee of approval. Terms vary by property. Steadfast Home Buyers is an Equal Housing Opportunity provider.