How it works

A simpler path to owning your home.

No bank in the middle. Here's exactly how buying a Front Step home works.

01

Find your home

Browse available homes or tell us what you need. We'll reach out when a home fits your area and budget.

02

Apply with us, not a bank

We review your application ourselves and look at your whole story, not just a credit score.

03

Move in and pay us monthly

Make your down payment, sign a clear written agreement, and make monthly payments directly to us.

FAQ

Questions we hear a lot.

Don't see yours? Ask us on the Get Notified form.

What is owner financing?

Owner financing (also called seller financing) means you buy the home from us and pay us directly over time, instead of getting a mortgage from a bank.

Do I need perfect credit?

No. We look at your full picture, including income and history. Every buyer still completes an application, and approval isn't guaranteed.

Is there a down payment?

Yes. Each home requires a down payment. The amount depends on the home and is listed with each property.

Who handles repairs and upkeep?

Once you own the home, you take care of it like any homeowner. The details are spelled out in your written agreement.

Where are your homes?

Our homes are in Missouri. Tell us the area you want and we'll let you know when one is available.

How do I get started?

Fill out the Get Notified form. We'll reach out when a home matches what you're looking for.

Be first in line

Hear about new homes before anyone else.

Tell us the area and size you want. When a Front Step home fits, you'll be the first to know.

Get Notified

Move-in-ready homes in Missouri, sold with owner financing. A simpler path to owning your home.

Front Step Homes sells homes it owns and may offer seller financing on select properties. This website is not an offer of credit or a commitment to lend. All financing is subject to the buyer's application, property availability, and a written agreement; terms vary by home. Information is believed accurate but not guaranteed. © 2026 Front Step Homes. Privacy Policy · Terms & SMS Terms

Equal Housing Opportunity