We buy, repair, and sell homes across North Texas, and we owner-finance them ourselves. That means easier qualifying, fewer fees, and a faster, friendlier path to your own front door.
Every home below can be owner-financed directly through us. Estimated payments assume a 30-year amortization, $15,000 down, and a 9.99% interest rate / APR, with a balloon payment of the remaining loan balance due at the end of 15 years. Taxes & insurance (T&I) are estimated and paid in addition.
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Don't see the right home? We can also finance a home you find in Grayson, Fannin, or Hunt County. See financing options →
Instead of borrowing from a bank, you buy the home and make your monthly payments directly to us. You own it from day one — we simply hold the note. It's designed to be nothing like dealing with a bank.
Fill out a short application — no perfect credit, long job history, or Social Security number required.
We review quickly and personally. If you have the down payment and can make the monthly payment, you're in good shape.
A typical down payment is around $15,000. We'll talk through what works for your situation.
We close at a title company, you get the keys, and you make one simple payment each month — directly to us.
Our standard owner-financed note is a fixed-rate loan with payments amortized over 30 years, and a balloon payment — the entire remaining balance — due at the end of 15 years. Your monthly payment stays the same the whole time; at year 15 the loan is paid off, refinanced, or the balance is paid in full. We'll walk you through exactly what your balloon amount would be before you sign.
Bank qualification keeps getting harder while rates have climbed. Our rates have stayed remarkably steady over the years — and we offer several ways to get you into a home.
On any home we sell. The easiest way to qualify — fewer fees, faster answers, and far less paperwork than a bank. Fixer-uppers welcome. Our standard note amortizes over 30 years with a balloon payment due at 15 years.
Found a home you love in Grayson, Fannin, or Hunt County that we don't own? We can still finance it. The process is similar, with slightly higher cost.
Have equity and want to pull cash out of your home? Ask us about a refinance.
Our standard loan carries a fixed rate amortized over 30 years with a 15-year balloon, but we also offer ARMs with a lower initial rate — a helpful option as home prices have risen.
Looking to finance an investment property? Our process is built for speed and simplicity. Generally, if you have the down payment, you qualify — no credit report and no appraisal required.
How it works:
Complete a short 2-page application.
We need about 30 minutes of access for a Broker Price Opinion ($150, paid upfront).
Close at the title company. Refinancing is also available.
Sage Grove Investments LLC buys, repairs, and sells affordable homes across North Texas — and specializes in owner financing for buyers who can't currently qualify at a bank.
Sage Grove has been in business since 2012. We're a licensed Texas mortgage company with a licensed mortgage loan originator, focused on the communities of Grayson, Fannin, and Hunt Counties.
We make the journey from application to closing completely different from a bank: lower fees, quicker responses, less paperwork, easier qualification, and a more pleasant experience all around.
Geoff Hargrove is the owner and manager of Sage Grove Investments LLC (NMLS #1807595), which he founded in 2012 to fix up affordable homes and then sell and owner-finance them. Related businesses include Myriad Homes LLC and HTW Leonard, LLC.
Know of a home that might be for sale? Send us the address and contact info. If we buy it, we'll pay you. It must be off-MLS and a property we don't already know about. Text the details to (214) 592-5022.
Have a question about a property or about owner financing? Reach out — we're happy to walk you through it.
The fastest way to get started is to complete our short online application. There's no obligation, and we'll follow up with you personally.
Start Application Call (214) 592-5022