Here at Houston Owner Financing, we are a private lender that offers bad credit home loans. We specialize in working with many borrowers who have bad or low credit, and we are more flexible in our lending criteria. We believe your payment history is your good credit. If you put down the required down payment, you deserve to own the home you live in. Contact us today and let us pre-approve you at no cost to you. Let us finance the right home for you and your family.