Our Program 

The First & Most Trusted Third-party Owner Financing Program in the Industry. 

What is Third-Party Owner Financing?

Third-Party Owner Financing Program is an innovative program that allows a homebuyer who does not qualify for a loan to get financed for any home on the market anywhere in Texas. If it is in loanable condition, there are no restrictions on size, age, style, or location … any single-family home in Texas is eligible. 

A third-party investor who is already pre-approved for financing and vetted through the TL Global System will use their credit to finance the home and owner-finance that property to you. The deed will be registered in the name of the home-buyer while the investor will carry the financing for the duration of the loan or until the homeowner chooses to refinance or sell. 

All communications are handled through a note-servicing company. The roles and responsibilities of each party are spelled out in detail so there are no surprises, and every eventuality has been addressed beforehand. An Owner Finance Specialist will walk you through every step of the process, so you know exactly what to expect.

Check out our FREE eBook To learn more

All Credit Accepted

Foreign Nationals Welcome

Stated Income Accepted

Self Employed, TIN OK

No Time on Job Requirement

No Prepayment Penalty or Balloon Payments

How Does it Work

1 - free Consultation

Discover the benefits of Third-Party Owner Financing with TL Global. Schedule a FREE consultation with an Owner Finance Specialist to learn how the program works and see if it's right for you. Take the first step towards achieving your dream of homeownership today.
Schedule a FREE Consultation with an Owner Finance Specialist to learn how the program works and decide if it is a good fit for you.

- start looking at houses

Join the Third-Party Owner Financing program from TL Global and take control of your home buying journey. With pre-approval status upon registration, you can start searching for your dream home right away. Register now and get one step closer to homeownership.
Once you have registered you can start searching for your dream home and make an offer right away.

3 - Enjoy your new home

Find your dream home with TL Global's Third-Party Owner Financing program. We have helped thousands of people, just like you, achieve their goal of homeownership. Let us help you turn your dream into a reality. Start your journey now.
We have helped thousands of people like you who had given up on homeownership to find their dream homes. We can help you too.
Fill out this form to get started!

What Our Customers Say _

“I had been trying to buy a home for years but was turned down due to student loans and some bad credit. Then I approached TL Global. They did a great job. I am in my new home.”

Gwen (Homebuyer)

"I am a licensed Realtor. I recently approached TL Global to help one of my clients who couldn’t buy a home. TL Global was able to help. The client was so happy! Thank you Til for your help."

Germania Crook (Licensed KW Realtor)

“After 3 years of being unable to qualify for a home loan, my realtor referred her to Til Lowery, who helped my to finally buy my “miracle home”. I am so thankful..”

Angela (Homebuyer)

​FAQ's _

What is the TL Global Third-Party Owner Finance Program?

The TL Global System is a proprietary, full-disclosure program that allows a homebuyer to get the home of their choice with any credit score and regardless of circumstances.

What Are the Primary Requirements to Qualify?
    • You must have a minimum of 20% down.
    • You must complete training in person, score a minimum of 90% on a test, and have a positive attitude. All decision-makers must be present at the training so be sure to come with your spouse.
    • A certified TL Global trainer must confirm that everything makes sense and endorse you.
How is this different then rent-to-own?

Rent-to-own programs allow you to put a portion of your rent towards a down payment to purchase the home sometime in the future but you are still a renter with all the limitations that apply. With the TL Global Third-Party Owner Financing Program you are the legal owner of the house, you will be the one who benefits from the appreciation of the house, no one will be telling you what you can and cannot do to your property and you will be building credit with every mortgage payment you make. 

Will the deed be in my name?

Yes. The deed will be in your name and your payments will be reported to the credit bureaus so you will be accruing equity and building up your credit.

Are there any restrictions or limitations?

No there are no limitations. Once the property is yours, you can live at the property, sell it, lease it or refinance at any time.

Do I have to make a loan application?

Forget about applying for a loan. Forget about qualifying for a loan. Your cash is your credit.

What happens if I do not pay?

It is the traditional process of home ownership - if you do not pay, you do not stay.

Do I need homeowners insurance?

In order to transfer the Title into your name, you must have a homeowners policy naming you as the primary insured and the investor as an additional insured on the policy.

What about the underlying debt on the property?

You will need to be aware of the total debt and the interest-rate and terms.

What if I don't have a realtor? Can you assign one?

If you do not already have a realtor, you have options!There are many certified bilingual realtors available and come as a free service to you.

Can I qualify if I am self-employed with non-verifiable income?

Yes, your cash is your credit. You will not be asked for tax returns or bank statements.

My credit has been totally destroyed with the corona virus shutdown. Wil I still be able to qualify?

Yes. Your credit is not a qualifying factor for our system. There is no loan application or application fee. Your cash is your credit.

Can I really get financed with no credit check and using only stated income?

Yes. An investor will be owner financing the house to you so you will never need to 

Where do the investors come from?

The investors are provided to you by your realtor. 

How long will it take for me to get into a home?

On average you will be able to move into your new home 30 to 45 days after inspection. In rare cases it could take around 60 days. Processing for new homes tend to be faster.

Is TL Global a lender?

TL Global is not a lender. TL Global provides training for realtors, homebuyers, investors and wholesalers in how to utilize the TL Global Third-Party Owner Financing Program so every party involved can get what they want.

What kind of training does TL Global provide?

TL Global employs professional trainers which provide highly accurate real estate training the same way every time. All parties must understand how the TL Global System works and are required to pass a competency test with a minimum score of 90%. When all parties are properly trained the entire process goes smoothly and quickly.

What is a certified TL Global wholesaler?
A wholesaler is an investor that contracts to buy homes and assigns contracts to other investors. A certified TL Global wholesaler uses a rubber-stamp process so they don’t have to reinvent the wheel every time they do a transaction. Repetition results in never-ending improvement, efficiency, and professionalism. Using the TL Global system gives all parties the benefit of no surprises.
Where does the TL Global Program work?

The TL Global Third-Party Owner Financing Program is currently only being used in Texas.

Do I have to take the training in person?

Yes, we don't yet have online training, you have to be trained in person by a certified TL Global Trainer. After training is completed you must pass a test to verify you understand the program and how it works. This is for quality control. Everything must be done the same way every time.

Will the investor make money?

Yes. The good news is the TL Global System is WIN-WIN-WIN. You pay a fair and reasonable fixed fee for services rendered. You will learn the exact details at training.

What kind of interest rates do you have?
The TL Global System has incredible terms which include a fixed rate with no prepayment penalty and no balloon. If you research Google and look for low-doc loans you will find they are similar. Typically, they want you to have 35% equity, 13-14% interest rates (and higher is typical), prepayment penalties, 1-2 year balloons, they don’t want to deal with owner-occupied, and they still want to verify your income and credit. The TL Global System has none of this.
Do I have to bring my spouse to the homebuyer training?
Yes. All decision makers need to be present. This can include your parents, grandparents, and accountant.
How long does the homebuyer training take?

Approximately 90 minutes. Please allow extra time to have all your questions answered.

Will I get a pre-approval letter?
Your realtor will be provided a preapproval letter for a trust to purchase your home of choice.
Does TL Global have a training fee?
Yes. If you decide to enroll to use the TL Global System you must pay a fee. Paying a fee means you are serious. It means you are ready to go. It means there will be no surprises. It means there will be no rejections. It means your realtor will not be wasting their time. It’s a win-win system.
Can I get a BRAND NEW home?
Yes. The TL Global System works with almost every builder in Texas.
Can I get a resale home?
Yes. You can get a new home or any resale home as long as it is in loanable condition.

If there is a big hole in the roof or no AC or no flooring that’s a problem. The TL Global System is not for rehab homes, condos, mobile homes, or flood homes. It is also not used for land purchases.

The TL Global System is geared for single family homes.
I am a foreign national. Do you require an ITIN or SSN?
NO. Foreign nationals invest billions of dollars in US real estate annually. The TL Global System does not require an SSN or an ITIN.

Hot Owner Finance Deals That Won't Last Long! Low Down Payment and 7-Day Move-In

Request a tour of this owner-finance home listing