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If you’re tired of renting, and you want to own a home in St. Louis or Virginia but your credit, lack of down payment, or income is holding you back from qualifying for a normal bank loan. We can help you!
We specialize in helping St. Louis or Virginia residents become homeowners through our St. Louis or Virginia Owner Financing Program. This means there are no banks involved.
If you can’t secure conventional financing, no worries! Academy Home Buyers offers great homes in and around St. Louis or Virginia.
We are an alternative to buying a home the traditional way. You do not need to have perfect credit and we offer payments to fit your budget.
You are not renting the property or renting to own. You are buying it without the bank.
Want to know when the best properties hit the market?
We are a local real estate company that offers our properties to deserving families with a reasonable down payment and the ability to pay a monthly payment comparable to rent.
Each home is different, so there’s definitely the perfect home out there for you.
Our homes range in price from $39,000 and typically require a down payment of $3,000 to $10,000. We have found that this is the best price range to find homes that are in decent neighborhoods where people want to own a home and raise a family.
Still have questions? Check out our Frequently Asked Questions Page →
How Does Our Program Work Anyway?
It’s easier than you think – and we can help. The process is really pretty straightforward.
We finance the property for you with what is called a “land contract” or “contract for deed”. This is very common and you can rest assured that everything is handled professionally.
You will also be responsible for the taxes and insurance just like any other homeowner. We can, however, escrow taxes and insurance for you if you like to help you budget for these expenses. Sometimes it is a requirement for approval.
One of the best things about buying a home this way is that you do not have to deal with banks and qualify based on your credit. You can start building equity right away and stop paying rent.
Step 1: Submit your info on this website to create a FREE account and let us know the type of house you’re looking for.
Step 2: We’ll look at your situation, and the type of property you’re looking for, and show you your options here in St. Louis or Virginia.
Step 3: View the local St. Louis or Virginia homes that fit what you’re looking for.
We seek to only buy properties that are move-in ready or close to move-in ready. For this reason, we do not typically make any improvements to the property prior to offering it to deserving families. All properties are sold “as is where is”. So it is the responsibility of the purchaser to make any necessary repairs and to inspect the property thoroughly prior to purchase. We recommend getting a home inspection prior to purchase.
Plus, as we acquire new properties each month, as long as you’re on our Owner Financing Home List, you’ll get email alerts with the latest properties available.
START below and see our available Homes in St. Louis or Virginia!
4279 Ashland Ave 63115 2 beds, 1 bath, 1016 sqft $2,000 down, $775/month, 59,000 No credit checks!
717 North Ave, Newport News 3 beds, 2 bath $4,000 down, $1050/month, $154,000 No credit checks!
44 Hobson St, Portsmouth VA 3 beds, 1 bath $5000 down, $1150/month, $139,000 No credit checks!
257 coburg drive 63137 5 bed 2 full bath 2300 sqft HUGE house, but needs some work. $1500 down, $695/month, $59,000 No Credit Checks!
1526 w widenham st Peoria IL 2 bed, 1 bath, 1 800 sqft $2000 down, $750 month, $59,000
2205 Nevada Ave granite city Needs a good clean out! 1 bed, 1 bath, 828 sqft $1,000 down, $550/month, $49,000
5818 Janet Ave 63136 3 beds, 1 bath, 900 sqft $3,000 down, $995/month, $79,000 No credit checks!
405 Mueller Ave, 63135 1 bed, 1 bath $2,000 down, $795/month, $69000
Sold
334 S pence street Alton IL 3 beds, 1 bath, 800 sqft $3,000 down, $1050/monthh, $70,000