Here at Houston Owner Financing, our goal is to offer home owner financing to all deserving buyers in Texas. We believe that your income, your down payment and your payment history should be enough to qualify you for a home loan. Even if you do not have a social security number or a credit score, there can still be a way, let us help you. Do not rent, own instead... Your next-month rent could be your new mortgage payment to the house of your dreams.