Buy a San Antonio home without the bank.
We place qualified buyers into homes on owner-finance terms. The seller gets their price. The buyer gets a payment that works. No bank in the middle.
HOW IT WORKS
1.
We find the fit.
You tell us what you need. We match it against real sellers and real terms.
2.
We structure the deal.
Price, down payment, rate, and monthly payment, all laid out on a net sheet you can actually read.
3.
We handle the paperwork.
RMLO, title, third-party servicing. You sign and move forward.
FOR SELLERS
Get your price. Skip the wait.
If your house isn't moving, the problem usually isn't the price. It's the financing. We bring you a qualified buyer on owner-finance terms, you keep your listing live with your agent, and your agent's commission is protected. You bring zero cash to closing.
Tell us about your house
FOR AGENTS
Your listing. Your commission. Protected.
We don't ask you to pull your listing or cut your commission. We bring a pre-qualified retail buyer on creative terms, and your fee is protected from the buyer's entry funds. Non-exclusive. No lockup. No games.
Send us your tough listing
FOR BUYERS
Own a home even if the bank said no.
Good income, rough credit, self-employed, or just tired of renting. If you can afford the payment, we can usually find you a path to ownership. Real terms, real paperwork, serviced by a third party.
See if you qualify
FOR CAPITAL PARTNERS
Private notes secured by Texas real estate. We place first-lien notes backed by real property. Documented, title-insured, third-party serviced. If you hold capital and want it working against dirt instead of sitting still, let's talk.
Request our lending criteria
Curb Appeal Pros — property services that get it done.
We help owners and managers get properties back in shape fast. Cleanouts, landscaping, exterior refreshes, unit make-readies, and ongoing grounds care. One call, fast quote, crew on it this week.
- ✓Property cleanouts
- ✓Landscaping and grounds care
- ✓Exterior refreshes
- ✓Unit make-readies
Se habla español.
Lumina Living — a brighter path for tomorrow.
Supportive housing is coming. We're building something for people who need a stable place to land and a real shot forward. Not active yet — but it's coming.
ABOUT
I'm Chris Colton. I run REI Professions in San Antonio, Texas. We're not wholesalers. We facilitate owner-finance deals between sellers who want their price and buyers who want a fair shot at ownership, and we handle the structure, the compliance, and the servicing in between.
TRACK RECORD
Done deals.
- Laurel, San Antonio: $800K, closed April 2024. $650K seller finance plus $100K second.
- Rosewood, San Antonio: $269,990, closed March 2024. $254,990 seller finance.
- Fontana, San Antonio: $375K, closed April 2024. $355K seller finance.
- Bob Billa, San Antonio: $150K, closed April 2023. $112,607.38 subject-to plus $29,500 seller second.
- Monterey, San Antonio: $235,534.71, closed April 2023. $219,879.31 subject-to plus $5,655.40 reinstatement.
- Bluestone, San Antonio: $257,482.66, closed September 2023. $247,906.66 subject-to plus $9,715.51 HVAC.
Every one of these closed with real paperwork, real title, real servicing.
Ask about our current deals
CURRENT OPPORTUNITIES
Everything is under contract right now. That changes fast. When a deal opens up, it shows here first: price, down payment, rate, and monthly payment. No games, no bait.
FAQ
The seller acts as the bank. You make your monthly payment to them (through a third-party servicer) instead of a mortgage company. Price, rate, down payment, and terms are all agreed up front and put in writing.
SE HABLA ESPANOL
Compra tu casa sin el banco.
Colocamos compradores calificados en casas con financiamiento del vendedor. El vendedor recibe su precio. El comprador recibe un pago mensual que si funciona. Sin banco en medio.
Trabajamos con compradores y vendedores que hablan espanol en cada paso: la estructura, los documentos y el servicio del prestamo. El idioma nunca es una barrera aqui.
Llama o manda texto al (210) 756-9075. Hablamos tu idioma.
MARKET NOTES
What I am seeing in the Texas market, straight up.
30-year rates just hit 7.28%. Highest since November 2023. Every time rates jump like this, my phone rings more. Sellers who could not move their house at 7% suddenly want to talk creative. Here is why that matters for buyers and sellers right now.
Texas leads the nation in bank-owned homes. About 4,800 properties go to auction across 219 Texas counties this week. Behind every one is a person running out of options. We do not chase auctions. We find the homeowner before auction day and give them a better exit.
High rates do not kill deals. They kill conventional deals. A seller financing at 6% beats a listing at 7.28% all day. The buyer gets a better payment. The seller gets full price plus monthly cash flow. Here is how the math works.
Read all market notes
CONTACT
Call or text: (210) 756-9075
Email: [email protected]