Term Buyer Program
A Place to Call
Your Own— Without a Bank
Low down payment. Simple monthly terms. No credit check required. Fran’s Homes helps everyday people become homeowners — even if a bank has said no.
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See If You Qualify — No Obligation
Tell us a little about what you’re looking for. A local partner will follow up with next steps.
Simple & Transparent
How the Term Buyer Program Works
A simple path to homeownership — no bank approval required.
Available Now
Homes You Can Actually Afford
Real homes under $90k. No inflated prices, no new builds — just homes that working families can step into and call their own.
Fill out the form above and a local partner will share what’s currently available in your area.
Questions
Frequently Asked Questions
It’s a path to homeownership that doesn’t require a traditional bank mortgage. Instead of getting a bank mortgage, you work with a local partner and the seller through a simple installment contract. You hold equitable interest in the property from day one. Once the agreed terms are met, the home is yours.
No traditional credit check is required. Approval is based on your ability to make the monthly payment and provide the required down payment — not your credit score.
You enter into an installment contract — not a standard bank-financed purchase. You have equitable interest in the property from day one, and we hold the deed in trust while you work toward full ownership. No bank. No mortgage application. No credit denial.
We understand the hesitation. There’s a lot of misinformation out there. We’re open about how the program works, and you’ll receive a written agreement before anything is final.
We currently serve Alabama.
Your path to homeownership starts here.
No bank. No credit check. Just a clear, honest process.
Get Started Today →