New: Get your credit score (and more) ready for homeownership with a new program from Homesterr. Get early access →
A program designed for you.
Not ready for a mortgage? We’ve got you covered. With OfferGeorge you can rent your dream home now, while growing your built-in savings for a down payment.
A program designed for you.
Not ready for a traditional mortgage? We’ve got you covered. With Homesterr we will seller finance you the perfect home now, while helping get you bankable for a traditional mortgage.
Seller Finance Is Simple.
Can't get approved for a traditional a mortgage? We’ve got you covered. With Homesterr you can own your dream home now, financed by us.
Step 1
Apply for free in 5 minutes
Getting prequalified is free. It’s quick, comes with no commitment, and doesn’t impact your credit score.
5 minutes
Step 2
Match With Your Dream Home
You can choose any qualifying available home on the market. Work with your own agent, or find one through Homesterr.
As little as 2 days
Step 3
Homesterr will seller finance you the home of your dreams.
We have multiple flexible programs that can lock in today's home prices for the future. We are the bank, and we don't stress credit. We consider all employment and self employment. Plus, we make closing a breeze.
2–3 weeks
Step 4
Move in with built-in savings
Move in and make it home. Your monthly payment includes built-in savings. (Our program is designed for Homesterr customers to refinance their homes within 3-5 years)
Step 5
Buy your home, or walk away with savings
Buy your home when the time is right. Change of plans? You can also move out early (with a 60-day notice) and keep most of your savings.
5 steps from renting to owning.
Not ready for a mortgage? We’ve got you covered. With OfferGeorge you can rent your dream home now, while growing your built-in savings for a down payment.
Step 1
Apply for free in 5 minutes
Getting prequalified is free. It’s quick, comes with no commitment, and doesn’t impact your credit score.
5 minutes
Step 2
Find your dream home
You get a home-shopping budget, and you can choose any qualifying home on the market. Work with your own agent, or find one through OfferGeorge.
As little as 2 days
Step 3
OfferGeorge buys your dream home
We pay for the home in cash and cover all fees, closing costs, taxes, and insurance. You make an initial payment of 1% to 2% of the selling price, which goes straight to savings for your own future down payment.
2–3 weeks
Step 4
Move in with built-in savings
Move in and make it home. Your monthly payment includes built-in savings that grow into a down payment over time. (Our program is designed for OfferGeorge customers to become mortgage-eligible within 3 years.)
Step 5
Buy your home, or walk away with savings
Buy your home when the time is right. Change of plans? You can also move out early (with a 60-day notice) and keep your OfferGeorge savings (minus a relisting fee).
Get a leg up on your homeownership preparation
Preparing for homeownership but not looking to commit right away? Start improving your credit score and growing your home buyer knowledge with a new program from Divvy aimed at getting you mortgage-ready.
Get a leg up on your homeownership preparation
Preparing for homeownership but not looking to commit right away? Start improving your credit score and growing your home buyer knowledge with a new program from Homesterr aimed at getting you mortgage-ready.
How does pricing work?
Pricing varies depending on the home, your initial payment, and your monthly savings.
To find out your personal home-shopping budget, get prequalified. It’s completely free, takes 5 minutes, and doesn’t affect your credit score.
At move-in
Initial payment
You make a one-time, upfront payment (10%–20% of your home’s value) that goes straight towards your down payment and locks in today's pricing for the future.
Each month
Immediate ownership
Your rent or mortgage is based on the home’s location, size, condition and features. When you qualify for our in-house financing programs, you become a homeowner today,.
Who’s a good fit for Homesterr?
If you can get approved for a traditional mortgage today, we say: Go for it. But Homesterr is ideal if…
You could use help saving up for a down payment
With Homesterr, savings for your down payment are built right into your monthly payment, so they add up over time. In 3 years (or even sooner), you can afford a 10% down payment on your home.
You could use help saving up for a down payment
We accept a minimum FICO credit score of 550—so even if you’ve hit a few bumps in the road, Homesterr could be the right partner for you. Once you’ve moved into your home, we’ll pair you with a free credit counselor to help you get ready for your own mortgage.
You’re self-employed or got a new job
Homesterr looks at your last 3 months of income when determining your home-shopping budget, which makes us a great option if you’re self-employed or recently started a new position. (Congrats, either way.)
You’ve got questions. We’ve got answers.
How do I qualify for Homesterr?
Here’s what you’ll need to qualify for Homesterr:
Minimum FICO score of 500*: Even if you’ve hit a few bumps in the road, Homesterr could be the right partner for you. Once you’ve moved into your home, we’ll pair you with a free credit counselor to help you get ready for your own mortgage.
Minimum monthly household income of $2,500: Adding a co-applicant during the application process may help you reach this minimum. Minimum required income will depend on factors like your current debt levels and home prices in your metro area.
Employment history for the last 3 months: Homesterr looks for 3 months of steady income, which makes us a great option if you’re self-employed or have recently started a new job.
Debt-to-income (DTI) ratio: We look at your debt-to-income ratio, which measures how much of your monthly income goes toward your monthly debt payments. You can calculate this by dividing your monthly debt payments (such as car, student loan, personal loan, rent, and minimum credit card payments) by your monthly income (before taxes).
Background check: We run a background check to ensure there are no bankruptcies or evictions in the last 12 months.
A valid government-issued photo ID
Learn more about our qualifications here
* Not all FICO scores are calculated the same way—we use Experian as our credit bureau and look for at least 1 industry standard 3rd party model score greater than or equal to 550. Your score through your credit card company or third-party service could appear differently. Our credit requirements are also subject to change at any time.
** We may still be able to move forward if a bankruptcy has been cleared for more than one year.
What’s involved in the application?
Applying for Homesterr is completely free, takes 5 minutes, and comes with no commitment. It also won’t impact your credit score. Don’t worry if your financial picture isn’t perfect—we get that life happens, and everyone’s situation is different. After applying, you’ll get your estimated homesterr shopping budget. We’ll then verify your application and you’ll receive your approved shopping budget in 2 business days. As part of the application process, we’ll ask you for the following: Contact information, When you’re planning to move, Where you want to liveI, f you’re currently working with a real estate agent, If you’re applying with another person, Your current financial situation (gross monthly income and current rent), Personal information to run a soft credit check, Employment information, Background check, Proof of identity
Not seeing your question here?
You’ve got questions. We’ve got answers.
How do I qualify for Divvy?
Here’s what you’ll need to qualify for Divvy:
Minimum FICO score of 550*: Even if you’ve hit a few bumps in the road, Divvy could be the right partner for you. Once you’ve moved into your home, we’ll pair you with a free credit counselor to help you get ready for your own mortgage.
Minimum monthly household income of $2,500: Adding a co-applicant during the application process may help you reach this minimum. Minimum required income will depend on factors like your current debt levels and home prices in your metro area.
Employment history for the last 3 months: Divvy looks for 3 months of steady income, which makes us a great option if you’re self-employed or have recently started a new job.
Debt-to-income (DTI) ratio: We look at your debt-to-income ratio, which measures how much of your monthly income goes toward your monthly debt payments. You can calculate this by dividing your monthly debt payments (such as car, student loan, personal loan, rent, and minimum credit card payments) by your monthly income (before taxes).
Background check: We run a background check to ensure there are no bankruptcies or evictions in the last 12 months.
A valid government-issued photo ID
Learn more about our qualifications here
* Not all FICO scores are calculated the same way—we use Experian as our credit bureau and look for at least 1 industry standard 3rd party model score greater than or equal to 550. Your score through your credit card company or third-party service could appear differently. Our credit requirements are also subject to change at any time.
** We may still be able to move forward if a bankruptcy has been cleared for more than one year.
What’s involved in the application?
Applying for Divvy is completely free, takes 5 minutes online, and comes with no commitment. It also won’t impact your credit score. Don’t worry if your financial picture isn’t perfect—we get that life happens, and everyone’s situation is different.After applying, you’ll get your estimated home-shopping budget. We’ll then verify your application and you’ll receive your approved shopping budget in 2 business days.As part of the application process, we’ll ask you for the following:Contact informationWhen you’re planning to moveWhere you want to liveIf you’re currently working with a real estate agentIf you’re applying with another personYour current financial situation (gross monthly income and current rent)Personal information to run a soft credit checkEmployment informationBackground checkProof of identity
How do I qualify for Divvy?
Here’s what you’ll need to qualify for Divvy:
Minimum FICO score of 550*: Even if you’ve hit a few bumps in the road, Divvy could be the right partner for you. Once you’ve moved into your home, we’ll pair you with a free credit counselor to help you get ready for your own mortgage.
Minimum monthly household income of $2,500: Adding a co-applicant during the application process may help you reach this minimum. Minimum required income will depend on factors like your current debt levels and home prices in your metro area.
Employment history for the last 3 months: Divvy looks for 3 months of steady income, which makes us a great option if you’re self-employed or have recently started a new job.
Debt-to-income (DTI) ratio: We look at your debt-to-income ratio, which measures how much of your monthly income goes toward your monthly debt payments. You can calculate this by dividing your monthly debt payments (such as car, student loan, personal loan, rent, and minimum credit card payments) by your monthly income (before taxes).
Background check: We run a background check to ensure there are no bankruptcies or evictions in the last 12 months.
A valid government-issued photo ID
Learn more about our qualifications here
* Not all FICO scores are calculated the same way—we use Experian as our credit bureau and look for at least 1 industry standard 3rd party model score greater than or equal to 550. Your score through your credit card company or third-party service could appear differently. Our credit requirements are also subject to change at any time.
** We may still be able to move forward if a bankruptcy has been cleared for more than one year.
Not seeing your question here?
Ready to get your home-shopping budget?
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Denver / CO Springs / Northern CO
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Need help?support@OfferGeorge.com
Our markets
Atlanta
Cincinnati
Cleveland / Northeast Ohio
Dallas / Fort Worth
Denver / CO Springs / Northern CO
Fort Lauderdale
Fort Myers
Houston\
Jacksonville
Our markets
Partnership inquiries
Media inquiries
Search homes
Blog
Careers
About us
Customer Help Center
Agents
Agent Help Center
Connect
YouTube