Buy a Home Without Bank Underwriting
Owner financing and lease option homes for buyers the traditional mortgage process leaves behind — self-employed and 1099 earners, buyers rebuilding after bankruptcy, foreclosure, or divorce, and anyone whose income is real but hard to document.
Traditional mortgage underwriting is built for one kind of buyer: two years of W-2 income, a long clean credit file, and a tidy paper trail. If you're self-employed, recently divorced, rebuilding after a bankruptcy or foreclosure, or your income is real but hard to document, you can be perfectly capable of owning a home and still get declined. We work outside that box. EZ Home Path buys houses directly, then sells them on terms — either owner financing, where you take ownership and pay us instead of a bank, or a lease option, where you move in now and buy at a locked-in price later. There are no bank credit-score minimums on our programs. We do verify income and ability to pay — we're not going to put you in a house you can't keep. But we're looking at your whole situation, not a three-digit number.
How They Compare
| Feature | Owner Financing | Lease Option | Conventional Mortgage |
|---|---|---|---|
| When you own | At closing | End of lease term | At closing |
| Bank underwriting | No | No | Yes |
| Credit-score minimum | None | None | Typically 620+ |
| Self-employed income | Considered | Considered | Two years of tax returns |
| Upfront cash needed | Down payment | Option consideration | Down payment + closing costs |
| Price locked upfront | Yes | Yes | Yes |
Who We Work With
Self-employed and 1099 earners
Contractors, gig workers, small business owners, commission earners. Your income is real; the underwriting box just doesn't fit it.
Buyers rebuilding after a financial setback
Bankruptcy, foreclosure, or divorce puts a mandatory waiting period between you and a conventional loan. You don't have to spend those years renting.
Newer credit files
Recent immigrants, younger buyers, and anyone who has lived without debt and therefore without a credit history.
Investors
Terms deals, faster closings, and less friction than institutional financing.
How It Works
Tell Us Your Situation
Call or email us. We'll ask about your household income, your timeline, and what you can put toward a down payment.
We Match You to a Path
We'll tell you honestly whether owner financing, a lease option, or a conventional loan is your best move. If you actually qualify for a bank loan, we'll say so.
Agree on Terms in Writing
Purchase price and payment structure are documented before anything is signed. We recommend independent attorney review on every transaction.
Move In
Owner-financing buyers own from day one. Lease-option buyers move in and start the clock toward purchase.
Why EZ Home Path
Licensed and accountable
EZ Home Path is owned by Ryan Garrison, a licensed Washington real estate broker. Most terms-sellers aren't licensed and aren't accountable to anyone. We are.
We tell you if you don't need us
If a conventional mortgage is your better option, we'll say so and refer you out rather than talk you into a deal you don't need.
Everything is in writing
Purchase price, payment amount, term length, and your obligations are all documented before you sign, and we recommend independent attorney review on every transaction.
We own what we sell
We're not a listing service and we're not a lead broker. We buy houses and sell them ourselves, which means we can actually set the terms.
Counties We Serve
Headquartered in Lacey, Washington, serving buyers across five counties.
Not sure which path fits?
That's what the conversation is for. Call or email us and we'll walk you through both.