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See Our North Alabama Homes With Owner Financing Before Anyone Else!

We acquire houses every month from homeowners who need to sell for one reason or another. Often times we remodel the homes to bring them up to date and up to insanely great shape for buyers like yourself to move into.

The types of houses we tend to offer on our Home Program include…

2 bedroom – 4 bedroom homes
800 – 2,500 square feet
Updated kitchens and bathrooms
Often times many upgrades

Each home is different, so there’s definitely the perfect home out there for you.

Why Buy A North Alabama Home With Seller Financing?

If owning your own home is a dream of yours but your current credit or financial situation just won’t let you buy right now, that’s where the right North Alabama seller financing program comes into play. With Yellowhammer Home Buyers, we continually purchase and sell them on seller financing to families through our rent to own program.

When you buy a home with seller financing (also called “Owner Financing”), there are no banks involved. Learn more about what we do and see our available seller financed homes.

How Does Owner Financing Work Anyway?

It’s easier than you think – and we can help. The process is really pretty straightforward.

We create a long-term rent to own program that gives you rental credits each month similar to the principal pay down of a mortgage. Your monthly payment stays the same during the entire agreement similar to a mortgage payment. Your down payment goes 100% towards the purchase of the home. Everything is handled by a state licensed attorney or authorized signing service, just like any other real estate transaction. So you can rest assured that everything is handled professionally.

You will also be responsible for the taxes and insurance just like any other homeowner. They are paid monthly based on the annual costs.

You can go get our own mortgage at any time, pay off the loan with cash, or sell the house without any pre-payment penalties. We just subtract out all accrued rental credits at that time and you will owe the remaining balance. Or just make payments during the entire term of the agreement and you will own the home FREE and CLEAR!

One of the best things about buying a home this way is that you do not have to deal with banks and qualify based on your credit. You can start building equity right away and stop paying rent with nothing to show for it.

Step 1: Submit your info on this website to create a FREE account and let us know the type of house you’re looking for.

Step 2: We’ll look at your situation, the type of property you’re looking for, and show you your options here in North Alabama.

Step 3: View the local North Alabama homes that fit what you’re looking for.

We seek to only buy properties that are move-in ready or close to move in ready. For this reason, we do not typically make any improvements to the property prior to offering it to deserving families. All properties are sold “as is where is”. So it is the responsibility of the purchaser to make any necessary repairs and to inspect the property thoroughly prior to purchase. We recommend getting a home inspection prior to purchase.

Plus, as we acquire new properties each month, as long as you’re on our Owner Financing Home List, you’ll get email alerts with the latest properties available.