If you are able to provide a down payment, along with the first month payment, and enough money to pay part of the closing costs, you will be in that new home regardless of your credit standing. That is the purpose behind Owner Financed Homes programs, and that is basically all you need to do to qualify for a loan. So, if you thought that there was no chance of being able to own your home because of past financial difficulties, or the fact that you haven’t had time to establish a credit rating, now you know that there are ways to do it.People sometimes run into financial problems through no fault of their own. Perhaps you have had something occur in your life that drained you financially. Often time’s medical problems have caused you to incur bills that you just cant seem to get paid. This can put your credit ratings in jeopardy. There are numerous reasons for a credit history to go bad, but this is no reason for you to be denied the chance to own and live in a home of your own. Owner Financed Home programs know and understand that many people, at one time or another will run into financial difficulty.You might just be one of the thousands of people who have not had time in your life to establish any kind of credit rating. Perhaps you are a young couple just starting out; maybe even newlyweds who would like to purchase your first home but just don’t know how you will be able to get a loan to do it. If you have gone to a bank and been turned down for lack of a credit history you may think that you will have to wait a considerable time to establish some type of credit before any financial institution will consider loaning you money for a home purchase. Take heart in the fact that Owner Financed Homes are available in every state, and you will be able to own your own home in a very short time.With the Owner Financed Homes programs, you will actually pay less of a down payment, and the deed will be in your name as soon as the closing of the loan is finished. It is your own home, in your name for as long as you choose to live there. There is no credit check for you to lose sleep over, and the interest rates are very reasonable, unlike some banks that charge ridiculously high interest to someone who has a less than perfect or spotty credit history. These rates are comparable to regular interest rates, and aren’t going to cost you more than double the price of the home over time.Owner Financed Homes are available for you to look at and consider online. Each state is represented with a listing of the homes that you can peruse. Look into, view the statistics, check the asking price, and consider whether or not this might be the dream home you are wanting. Owner Financed Homes become available quite often, so even though you may not find one that will suit your needs the first time you look, don’t give up. Check the site weekly to see what new homes have been added.