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.
Unless noted, every home below can be owner-financed directly through us. Ask us for terms on any home.
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Don't see the right home? We can also finance a home you find in Fannin, Grayson, Hunt, Collin, Delta, or Lamar 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 your application, income and ability to repay quickly and personally.
A down payment is required. 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 a balloon payment — the entire remaining balance — due at a set date. When the balloon comes due, the loan is paid off, refinanced, or the balance is paid in full. Ask us for terms: we'll give you every term in writing, including the balloon amount and date, before you sign.
Bank qualification keeps getting harder. We offer several ways to get you into a home.
Owner financing on our homes. The easiest way to qualify — fewer fees, faster answers, and far less paperwork than a bank. Fixer-uppers welcome. Ask us for terms.
Found a home you love in Fannin, Grayson, Hunt, Collin, Delta, or Lamar County that we don't own? We can still finance it. The process is similar. Ask about financing options.
Have equity and want to pull cash out of your home? Ask us about a refinance.
Besides our standard fixed-rate loans, we also offer adjustable-rate mortgages. Ask about financing options.
We make long-term first-lien loans on 1–4 unit homes and developed land for investors, small builders and homeowners with equity. Purchase, refinance or cash-out, from $50,000.
Buying, refinancing or pulling cash out of a rental or a flip? We make long-term financing, not a short bridge loan you have to race to refinance. Our decisions are based on the property and the whole deal, not just a credit score.
How it works:
Send us a few details about the property and your plan.
We aim to tell you within 24 hours whether it's a loan we can do.
Apply, we review the property and the file, and you close at a title company.
Not an offer of credit or a commitment to lend. All loans are subject to application, underwriting, property eligibility and approval.
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 Fannin, Grayson, Hunt, Collin, Delta, and Lamar 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