-Triple 10 is my home buying program for North Houston — Conroe, The Woodlands, Spring, Tomball.. It connects qualified buyers to homes through flexible financing options, including direct owner financing, so buyers who don’t fit the traditional bank mold still have a path to a new home.

-The name comes from the simple structure behind the owner-financing option: ten up top, ten down, ten on the terms.

-NO PREPAYMENT PENALTIES.

-I’ll walk you through the exact numbers on a quick call.

-Often, yes. The owner-financing path looks at more than a single credit score — things like your available funds and your ability to make the monthly payment matter most.

-That makes it a fit for many self-employed, 1099, and credit-rebuilding buyers who get turned away by traditional lenders.

-The seller financing the home makes the final decision; my job is to connect you to the right homes and walk you through your options.

-With a traditional loan, a bank or mortgage lender funds your purchase and sets the terms.

-With owner financing, the seller finances the home directly, so approval can be more flexible on credit history, with terms agreed directly with the seller. Owner-financed homes are typically priced at a premium over a comparable cash sale — that’s part of how a seller can offer financing without a bank.

-Both paths are available through Triple 10, and I’ll show you exactly how the math works for any home you’re interested in.

-On the owner-financing path, qualified buyers can often get in for as little as 10% down.

-Exact figures depend on the home and the seller’s terms, so the fastest way to get real numbers is a quick call.

-I focus on both resale & new construction across North Houston — Conroe, The Woodlands, Spring, Tomball — across a range of price points, including options for budget-conscious buyers.

-Tell me your target budget when you reach out and I’ll match you to what’s available.