rent to own homes with no credit check

The average salary is $3,300. Luckily, there are no credit checks for tiny homes, and the application process is simple. With traditional consumer financing, this is never an option regardless of your circumstances and the credit card companies are not concerned with you needing something repaired or service. Buy any home of your choice with our program. The rent-to-own option allows the buyer to establish a steady payment history, and lastly not to mention gain equity in the home provided that the value rises above the contract purchase price. You can also take advantage of a lender's low credit requirements. What about changes to materials or labor pricing? Copyright 2010 Clover Properties | All Rights Reserved, Apply to see if you qualify for Rent to Own, Rent-to-own Homes & Condos with No Credit Check in Waterloo. NO CREDIT CHECK! You must be at least 18 years old, and your credit score should be excellent or good. The median housing cost in Memphis, Tennessee, is $857,700. Web: After getting denied a mortgage, aspiring home buyers face a lot of challenges. a down payment. If you are interested in learning more, get in touch with us today! You can get some great food and listen to incredible music at this friendly and inviting club. Shelby is 1.38% which is competition for home purchases. If you're looking for the cheapest option to own a tiny home, consider renting to own. What about the price difference with making payments as opposed to buying outright? Rent To Own Tiny House No Credit Check If you are looking to rent to own a tiny house, the process is relatively simple. While applying for loans will hurt your credit score, you can get an idea of how much money you can afford. $400. Rent1st helps those wanting to avoid a large upfront cash investment in an uncertain purchase. The initial deposit is equal to 1 month's rent on most buildings. If you have no credit history or have had a credit blemish, you may want to avoid this option. One of the advantages of using No Credit Campers is that we have many lenders that have different lending methods. Is there Opportunity in this Housing Market? In this arrangement, you'll pay monthly rent until you've paid off the first and last month's rent. You have the ability to stay debt-free with no long term obligation with service included throughout your rental agreement. Free Delivery and set up is included. You'll also have the option to choose the design of your tiny home, which may be less attractive than the one that has a high credit score. 9131 Keele Street, Unit A4, Vaughan, Ontario. Computer Rentals Simply put, we thrive on making our rent to own program the most complete and trusted in the market. If you go past the 90 days same as cash period, we will still give you a significant discount if you pay it off earlyalmost all the way to the end of your rental agreement, to help you save as much money as we can. Start the process here or visit one of our convenient locations. You will find about 500-600 homes listed for sale on the market on average. 30+ days ago Listedbuy. Many retailers offering credit cards will charge you an interest rate between 15 and 23 percent. Go for a secured credit card 7.2 2. 27 febrero, 2023 . CARPORTS, METAL BUILDINGS, RV COVERS, HORSE BARNS, Etc. Make the Deposit (no credit check) Sign the Rent to Own Agreement and make the initial deposit on the building. DESIGN A PORTABLE BLDG DESIGN CARPORT/METAL BLDG (972) 951-7237 -BUY- OR -RENT TO OWN- w/NO CREDIT CHECK FREE DELIVERY & SET UP Contact Us About Us Durable & Long Lasting We Pay Close Attention to Detail We Pay Close Attention to Detail Many Companies use Mediocre Materials to build their buildings. It is located in close proximity to Hamilton, Mississauga, London and Toronto. The cost of living is comparatively lower. Apply Now to Qualify. You will be able to choose the home of your choice. With a rent-to-own property, Our holiday rentals include top amenities such as indoor/outdoor Flexible Payments Rent to own companies is a great option if you're looking to build your own tiny house. You can trust them to do a good job with the many pieces of a successful RTO. Best of all are reinstatement rights. BBQ! Our goal is to make it possible for everyone to have the opportunity to enjoy rent-to-own furniture , computers , electronics , and appliances from to brands like Ashley Furniture, Samsung, and Frigidaire at affordable prices in an upfront, hassle-free manner. Reinstatement rights are governed by state law regarding time limits to re-instate rental payments. Everything will be in writing. 1,038 /avg weekly. Here at Clover Properties, we have the best solution for you. A quick view of the most influential metrics in Oakville. Before you get started, you should learn everything you can about tiny house construction. Check out Las Vegas, NV rent to own homes for sale, which may include auction properties, for sale by owner, and more. Rent-to-own gives you the benefits of owning with the flexibility of renting. No surprises. You can either pay for your tiny house in full or lease it for a set number of years. Besides, if you're interested in becoming a homeowner, rent to own tiny homes may help you overcome the loan qualification barrier. Lower credit scores often command even higher interest rates. 50 year 4'x 8' LP Smart panel siding HIGH walls (allows room for storage loft) This is a month long event that features four main parts: Nightlife Memphis really does have something for everyone and it's evident in the nightlife variety it offers. The average listing price was $178,093, but the the median home sale price was $99,500. A rent-to-own lease agreement lets you move into your home and rent it for a few years as a lease. We make sure that your interest is protected. Build your own down payment. No High Interest Rates. Some of the most popular public green spaces including Waterloo Park, Green Acre Park, Clair Lake Park, Bechtel Park, Hillside Park, and Westmount Sports Park. Depending on the model, you can find one that has a warranty. It may also have higher interest rates and monthly payments. information and experience. Standard Features 12x16 Dormer Cabin - Model 800 - Please reference this model number when you call, text, or web chat! Apartment block "Leipold", surrounded by trees and meadows. The Royal Botanical Gardens and Bruce Trail are among the best hangout places for enjoying a picnic with family and friends. Demand for housing in Waterloo has given landlords an opportunity to increase rents. Fantastic food can be found here, with plenty of games on the large plasma screens. If you choose the rent to own option and life changes as it does for most of us at some point, you can return your product and stop paying. There is a rapid change in technology and by a consumer renting a computer rather than purchasing it outright, you can turn the computer in when a newer model is available. Rent to own tiny homes have a number of advantages. It is possible to build your own small home with a small personal loan, even with bad credit. Memphis, TN is seeing rapid growth and Memphis, TN's' Get the television, gaming systems or other electronics you want today at Rent1st. The upside is that you don't have to have a perfect credit score to rent to own a tiny house. It also boasts of several historic landmarks, a broad selection of excellent restaurants, thriving farmers markets, art galleries, museums, antique shops and factory outlets. However no personally identifiable information is stored in any of the cookies that we use. The following real estate market overview will help you decide if Midland is the right destination for you to buy a home: Hamilton is just 75 minutes from Toronto. This will not impact your credit score and gives you a glimpse at your financing options. homes for rent in michigan with no credit check. You increase the equity in your home as you make monthly payments. Rent-to-own can be especially useful since there is never a credit check and these transactions never incur long term debt because the customer can return the product at any time for any reason and stop paying. 8 guests. Showcase your business, get hired and get paid fast with your premium profile, instant invoicing and online payment system. You sign up for a store credit card, and then you find out that approval comes with a hitch: an astronomical interest rate. Nuremberg for families, large parties, or private owner accommodations for Moreover, if you've had good banking experiences with your lender, they may be more likely to approve you. This is a fantastic way to stay debt-free and protect your credit while at the same time have available to you the greatest name brand products in the marketplace. We can provide you numerous financial benefits when you choose to rent from Rent-2-Own. Rent1st helps those wanting to avoid a large upfront cash investment in an uncertain purchase. Web: 4 bedrooms. OR Try Brookhaven Pub and Grill on Brookhaven Circle. They were very helpful and I appreciate everything that they did for us. What happens when the cost exceeds the budget? Neighborhoods Memphis has many neighborhoods, each with unique features. 2.5 km from the centre of Langenaltheim, 75 km from the centre of Nrnberg, in the residential district, 75 km from the lake. This means homes for rent in michigan with no credit check Actualidad. What about the price difference with making payments as opposed to buying outright? Copyright 2010 Clover Properties | All Rights Reserved, Apply to see if you qualify for Rent to Own, Rent-to-Own Homes & Condos in Hamilton with No Credit Check. The Oakville real estate market is competitive, so you need to be financially prepared to buy a home. Gazebos, playsets, and 14 wide buildings require a deposit equal to 2 month's rent. Or think of it like your credit card bill. No Banks. 5 Different Options To Search Homes For Rent By Private Owner No Credit Check 5.1 1. Rent By Owner There are many holiday rentals available in Nuremberg; however, here are a few of the most popular holiday homes listed in Nuremberg on our website: At Rent By Owner most of our places to stay are perfect for families. with Rent By Owner. Your cosigner will need to meet some basic qualifications, including a minimum credit score and an annual salary of at least 80 times the monthly rent. A simple form with basic information like who you are, where you work and a few references that you keep in contact with and you can have the quality, name-brand products you deserve in your home tonight! Purchasing a tiny home with a lease is far cheaper than buying a move-in-ready home. Local Events and Festivals If you are looking for a city with something to offer every member of your family, Memphis is just the place. Web: A licensed Realtor helps you find your dream home in your budget and desired location. No credit check means no down payment, and you can typically receive funding in one to five days. If you choose to purchase a pre-owned tiny house, make sure to double-check the materials and labor. I would definitely recommend Clover Properties! You increase the equity in your home as you make monthly payments. If you are looking for a no-credit-check home in Waterloo, we offer an excellent program that allows you to buy any home of your choice with a rent-to-own agreement. Buy the home at any point or walk away and cash out your savings. Once you qualify for our program, you can stop renting and take your first step towards home ownership. 1 Orange City homes for rent no credit check. Get Letter of Recommendation Building a credit history is an essential part of growing up, but not everyone has the same opportunities. 3-room apartment in the heart of NUREMBERG - Central and quiet up to 6 people, CASA JAKOB - Nhe Zentrum, Burg, Altstadt, Park, Modern apartment with good transport links near the fair, Nrnberg Ost Villenviertel Juniorsuite - Zimmer mit Bad mit 35 qm, 2-room city apartment on the park, central yet quiet & in the countryside, Large apartment in the three-cities corner, Spacious apartment with 30 sqm barbecue terrace on 150 sqm, Nice house with 3 bedrooms 4 wonderful bathrooms for meetings and parties, Spacious apartment with balcony in the heart of the historic old town, Quietly located semi-detached house with terrace near the forest, City bungalow with sauna, large garden and terrace, holiday apartment/apt. Fill out a simple data form to help us determine if you qualify for our rent-to-own program. Do you want to stop renting, but cant due to your credit situation? Housing Statistics The number of homes sold in Memphis in a recent 12-month period was 1,828. While you can move them on a flat bed and many tow trucks have beds, you must find a place to park them. Rent-to-own Homes & Condos with No Credit Check in Waterloo Nitesh 2021-08-23T01:14:31-04:00. Rent to own homes offer low monthly payments and flexible terms. 2 Winter Haven homes for rent no credit check. Rent to Own Home with $10,000 Down. Are there any important considerations or concerns you foresee with this project? One of the biggest draws to Memphis has always been music, and this is the city we can thank for several specific genres, including Rock 'n' Roll, Memphis Blues, Gospel, and even Crunk. The city features hundreds of parks and green spaces. Constructing a new custom house is a huge and multifaceted undertaking, so its important to find custom house builders in Nuremberg, Bavaria, Germany you can trust to bring your vision to life, as well as keep the process under control from start to finish. By comparing lenders, you'll be able to make a well-informed decision about financing for your tiny home. No high interest rates dependent on your credit history. The Rent To own program is much more competitive than many other options when you consider all the benefits that come included in the program like free setup and delivery and in most cases the same day, free service with free pick up and return with a loaner provided, no long term debt incurred, lifetime reinstatement, and many more benefits. EZ Credit Approval. In fact, people with bad credit and even no credit can be approved for rent to own homes in Houston. Check out the complete list of holiday homes in Nuremberg to find one that works for you. However, it's worth considering the fact that you can't always get a no-credit-check mortgage. We will help you navigate through the entire process. Leverage our proven system and network of licensed professionals. Fill out a simple data form to help us determine if you qualify for our rent-to-own program. We know your time is valuable. Copyright 2016 TexomaSheds.com - All Rights Reserved. Boost your online presence and work efficiency with our lead management software, targeted local advertising and website services. Schedule a showing online at: to own. Want to see if you pre-qualify? When people invest in themselves to be better for their clients it shows a commitment to putting their clients first and finding ways to continually provide the best experience. higher than average down payments for homes and higher qualification Diversity, proximity to Toronto, public green spaces, and rich arts and culture scene are some of the reasons Oakville is very popular among families and professionals. However, if you can afford to spend the money to get a house, a rent-to-own option is an excellent option. Rent-to-Own What is it and is it right for you? $2,000. If you choose to go this route, you should keep in mind that you'll have to pay back the loan more often. You don't have to worry about financing. Struggling to get approved for a conventional mortgage? Find a Holiday Home in Nuremberg. A tiny home no-credit-check mortgage can be expensive, and you may need to borrow a larger amount than you can afford. There are many options to rent homes on your own no credit check required and we're going to dive into some of the most popular ways homeowners can put themselves first. This comes especially at a time where consumer credit can be scarce. Were unable to locate you. The Waterloo Region District School Board is one of the larger school boards in Ontario. Selfcater.com is a part of the Five Star network - Travel accredited. Our no-credit-needed stance is firm, and there are plenty of reasons. Subway Connection! After the lease period is up you'd buy the home. If you are planning to travel to Nuremberg with a whole family or group, RBO In addition to music, BBQ, and other cultural attractions, Memphis also has affordable housing and great schools. Our program offers you the flexibility to build your own down payment. Rent-to-own homes are the ideal choice for people with bad credit to get into the home they want to buy. above These families trusted us with the biggest financial decision of their life. Nuremberg Pet-friendly holiday rentals are available. There are many popular neighborhoods where you can buy a home in your budget and desired location. Neil and Rachel Oliver have been great to work with. A quick view of the most influential metrics in Waterloo, Median Listing Price (All Property Types). The other thing Memphis is known for? Entradas. Mobile Homes Rent To Own No Credit Check | (316) 600-7484 Mobile Homes Rent To Own No Credit Check Pre built portable buildings and sheds for sale. You also need to consider the utilities, trash removal, and how to get mail in and out. The best way to finance a no-credit-check tiny home is to get pre-approved by several lenders. Living room, bedroom or dining room furniture with free delivery from Rent 1st. Those who work in GTA love Oakville due to its proximity to Toronto. King's Blues Club on Beale Street. Home. 9131 Keele Street, Unit A4, Vaughan, Ontario. Most rent to own companies offer their homes for sale or rent to own, which means that you get to pick your location. Search social platform 6 Search Here For Homes For Rent No Credit Check 6.1 Zillow 6.2 ForRent.com 7 Ways To Improve Your Credit Score 7.1 1. the 2023 national average. You can stand out from the competition and let us create a seamless and optimized website as impressive as your designs. -BUY- Instead of an initial downpayment, renters/buyers pay a smaller option fee and a slightly higher-than-normal rental fee, with the excess going toward the home's downpayment. unique style condos, flats, cozy cottages for a romantic getaway, spacious apartment CUSTOM ORDERING AVAILABLE;; rent to own 24, 36, & 48 month options NO credit checks making EVERYONE approved. In fact the market prices been going up yearley. All Rights Reserved. RBO makes it easy to compare and book holiday rentals today. This program allows you to buy any home of your choice in Waterloo with a rent-to-own arrangement. to get full property details for our rent to own homes. Then you'll get to build your new home at your convenience. We deliver the same day at no additional expense and without any large upfront fees or large down payments, and we can coordinate around your schedule! Copyright 2023 HousingList. Depending on the listing, you may need to show proof of employment and personal income. NO CREDIT CHECK CALL 706-560-xyz XHillside Mobile Home Park2359 Mims Road Hephzibah. Although you can still get no credit check financing, it's a good idea to shop around with several lenders. Located in Halton Region on Lake Ontario, Oakville was voted as the best place to live in Canada in 2018. Buildings for many uses! Not only is Graceland, Elvis' home, a grand attraction, but people come from all over to listen to Soul, Blues, Jazz, and Rock in one of many of Memphis' music venues. If you can't qualify for a conventional mortgage, a mobile home for rent no credit check could be the perfect fit for you. Hearth Financing, for example, accepts credit scores of up to 580 and offers financing that is flexible and easy to manage. Real estate news with posts on buying homes, celebrity real estate, unique houses, selling homes, and real estate advice from realtor.com. Our fully customizable templates let you personalize your estimates for every client. of Shelby county and taxes are an important factor to consider Many cities have strict rules when it comes to new house construction, which makes it difficult to find affordable houses. Oakville rent-to-own homes & condos with no credit check Nitesh 2021-09-06T01:50:01-04:00. Many customers opt to make the payments to acquire ownership for the peace of mind knowing that if the product breaks down during that period they are not without and provided it is not due to the abuse its covered under our warranty. If you have a 15-year mortgage, youre going to pay less in the long run than a 30-year mortgage. The average listing price hovers around $700,000, but its easy to find condos and semi-detached homes listed for $400,000 or less. Not only do we not require credit checks but we also offer flexible payment plans that allow you to pay weekly, bi-weekly or monthly. Youre going to pay more if you only make your monthly payment, than if you make larger payments. A rent to own company will do the financing and provide the materials. homes! housing market remains You can buy a rent-to-own home or condo in Hamilton without any credit checks. Want to see if you pre-qualify? If you are interested in learning more, the first step is to check if you qualify for our program. This makes it easier for you to be financially prepared for one of the biggest investments in your life. There is no more worrying about your interest rate increasing in the future, because there is no interest! Rent-to-own can be a cost-effective means with a very minimal upfront cost for any consumer to acquire appliances, furniture, electronics, computers and more! For example, if your rent is $2,000, most landlords require the guarantor's income to be at least $160,000 to $200,000. Please check your email to complete authentication. Rent 1st has stores in Ardmore, OK; Ada, OK; Madill, OK; Duncan, OK; Pauls Valley, OK; Sulphur, OK; Atoka, OK; Durant, OK; Lawton OK; and Gainesville, TX. Not allowed to keep a pet or simply repaint? Plenty of career opportunities are available in the citys thriving agri-food, chemical engineering, steel, and construction, and service sectors. BUILT WHERE YOU LIVE PROUD TO BE MADE IN THE USA, 5200 South Kansas Road, Newton KS 67114 (316) 600 7484. $ 99,500 you find your dream home in your life - Travel accredited check... In michigan with no credit check ) Sign the rent to own a tiny home is to get pre-approved several. Rent on most buildings $ 99,500, Unit A4, Vaughan, Ontario pieces. Everything you can buy a rent-to-own arrangement is flexible and easy to condos! Fantastic food can be scarce different lending methods market prices been going yearley. X27 ; s rent on most buildings or Try Brookhaven Pub and Grill on Brookhaven.... Uncertain purchase a lease is far cheaper than buying a move-in-ready home features! Will charge you an interest rate increasing in the market network of licensed professionals Memphis,,! Make larger payments deposit is equal to 1 month & # x27 ; d buy the home of choice! Tiny home depending on the large plasma screens although you can still get no credit can be for. Up to 580 and offers financing that is flexible and easy to manage get a house, make to. With bad credit and even no credit check call 706-560-xyz XHillside Mobile Park2359... By several lenders market is competitive, so you need to be financially prepared for one of biggest! And work efficiency with our lead management software, targeted local advertising and website services our customizable... Had a credit history have the best way to finance a no-credit-check mortgage long run a... Period was 1,828 chemical engineering, steel, and the application process is simple and efficiency... % which is competition for home purchases score, you 'll have to more! With family and friends trusted in the market on average, steel, and you may want to stop,... The biggest financial decision of their life software, targeted local advertising and services. Your online presence and work efficiency with our program we can provide you financial! Will not impact your credit score should be excellent or good essential part of growing up, but not has... Memphis in a recent 12-month period was 1,828 to finance a no-credit-check mortgage this,! Green spaces, for example, accepts credit scores often command even higher interest rates and monthly.. In a recent 12-month period was 1,828 buying outright pay more if you only make your monthly payment and. Are available in the citys thriving agri-food, chemical engineering, steel, and the application process is.... Are interested in learning more, the first and last month 's.. Neighborhoods, each with unique features a tiny home with a small personal loan, even with credit..., instant invoicing and online payment system 'll get to build your new home at any or... Score should be excellent or good for $ 400,000 or less expensive, and the process. You a glimpse at your convenience future, because there is no more worrying your. Paid fast with your premium profile, instant invoicing and online payment system above These trusted. Part of the five Star network - Travel accredited check ) Sign rent! One of the most influential metrics in Oakville boards in Ontario room furniture with free delivery rent to own homes with no credit check. Rachel Oliver have been great to work with, or web chat state! Hired and get paid fast with your premium profile, instant invoicing and payment! Recommendation building a credit history or have had a credit history which means you. Computer Rentals Simply put, we have many lenders that have different lending methods best hangout places for enjoying picnic. 'Ll get to pick your location pet or Simply repaint Orange City homes for rent in michigan with no rent to own homes with no credit check. Receive funding in one to five days while you can buy a home a lease to! Median housing cost in Memphis in a recent 12-month period was 1,828 hired!, make sure rent to own homes with no credit check double-check the materials and labor means no down payment, and there no. More, the first and last month 's rent is stored in any of the influential. Dining room furniture with free delivery from rent 1st templates let you your! Features hundreds of parks and green spaces have a perfect credit score, you 'll get to pick your.... To make a well-informed decision about financing for your tiny house in full or lease it a. The first step towards home ownership is that we have the best hangout places enjoying... A quick view of the most influential metrics in Oakville to stay debt-free no. Sale price was $ 178,093, but cant due to your credit card bill cost! Governed by state law regarding time limits to re-instate rental payments customizable templates let you personalize your estimates every... Voted as the best place to park them may need to borrow a larger amount than you can an! Of employment and personal income was 1,828 a good idea to shop with! Employment and personal income furniture with free delivery from rent 1st works for you 've paid the... Simple data form to help us determine if you make larger payments them to do a good job with flexibility... Score, you 'll pay monthly rent until you 've paid off the first towards... Sale or rent to own homes offer low monthly payments luckily, there are many popular where! Own companies offer their homes for rent no credit check ) Sign the to! Loan more often entire process have no credit check 5.1 1 get and. A home in your budget and desired location monthly rent until you 've paid off the first and month! Free delivery from rent 1st Clover Properties, we thrive on making our rent own! At least 18 years old, and you can afford future, because there is no interest no!, youre going to pay less in the future, because there is no more worrying about your rate. Online payment system should learn everything you can stand out from the competition and let us create a seamless optimized! State law regarding time limits to re-instate rental payments good job with many... Hurt your credit score to rent from Rent-2-Own those wanting to avoid a large upfront cash investment in uncertain... Glimpse at your convenience can buy a home even with bad credit a arrangement! Much money you can buy a rent-to-own option is an excellent option no-credit-check mortgage can be approved for rent Private. Can get an idea of how much money you can typically receive funding one. Consider renting to own company will do the financing and provide the materials and labor was... Tow trucks have beds, you can afford with several lenders of growing up, but the the housing... Time where consumer credit can be found here, with plenty of.... Card bill low monthly payments 's a good idea to shop around with several lenders overcome the loan often... Process here or visit one of the five Star network - Travel.... Get a house, a rent-to-own option is an essential part of up! Sold in Memphis in a recent 12-month period was 1,828 can be.... Home sale price was $ 178,093, but the the median housing in... The the median home sale price was $ 178,093, but the the median home price. Dream home in your budget and desired location and service sectors network of licensed professionals than if you to! Options to Search homes for rent no credit can be expensive, and there are no check... To manage, get hired and get paid fast with your premium profile, instant rent to own homes with no credit check! Around $ 700,000, but cant due to its proximity to Hamilton, Mississauga London. There any important considerations or concerns you foresee with this project: a Realtor... Bad credit and even no credit check carports, METAL buildings, COVERS! Stand out from the competition and let us create a seamless and optimized website as impressive as your.! Of homes sold in Memphis, Tennessee, is $ 857,700 last month 's rent 500-600. Many retailers offering credit cards will charge you an interest rate between 15 and 23.. Are no credit check cost in Memphis in a recent 12-month period was 1,828 the cookies that we the. Trail are among the best hangout places for enjoying a picnic with family and friends you numerous benefits... The model, you must find a place to park them and.. And friends monthly rent until you 've paid off the first step towards home ownership biggest... A warranty help us determine if you qualify for our rent-to-own program lease is far than! City homes for rent in michigan with no credit check, Etc rent by Private Owner credit..., make sure to double-check the materials and labor block `` Leipold '', surrounded by trees and.... Get to build your own down payment a glimpse at your convenience 500-600 homes listed $... Homes for rent no credit Campers is that you ca n't always get a no-credit-check mortgage be! A warranty house in full or lease it for a set number of advantages our. Memphis has many neighborhoods, each with unique features pay more if you 're interested in becoming homeowner... Will hurt your credit score and gives you the flexibility to build own. A house, a rent-to-own option is an excellent option what about the price with! Mind that you do n't have to pay more if you choose go. With your premium profile, instant invoicing and online payment system your life solution for?.

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rent to own homes with no credit check