No Bank Needed Homeownership
Turned down by the bank? You still have options. RawFunds helps you buy a home in Alabama and Georgia without a traditional mortgage. If you have a down payment, we’ll match you with homes that offer a simple path to ownership.
$70K+
Homes from
35 Days
Avg. move-in
20%
Min. down
Three Steps to Your New Home
Traditional banks make it complicated. We make it simple.
Step 1
Start in Minutes
No hard credit pull. Just a quick verification step so we can approve you for the right options.
Step 2
Find Your Home
Browse homes in Alabama and Georgia. Filter by down payment amount, beds ,baths, location, and what matters to you.
Step 3
Move In
Select your home, sign the agreement, and move in, typically within 35 days.
Why People Choose RawFunds
If you've been turned down by a bank but have a down payment saved and stable income, you're exactly who we help.
✅ No Bank Approval Needed
✅ Bad Credit & Evictions OK
✅ Self-Employed Welcome
✅ Flexible Down Payments
✅ Affordable Monthly Payments (often same as rent)
✅ You Maintain, You Build Equity
We look at your ability to pay, not your credit score.
What You Need to Get Started
Down payment (typically 20%+)
Proof of income or ability to pay
Desire to own your home
Perfect credit score
Bank approval
Years of employment history
Bottom line: If you have money saved and can make monthly payments, there's likely a path to homeownership—even without a bank.
🏡 Don’t See a Home You Love? We’ll Help You Find One.
At RawFunds, you don’t have to wait. We’ll help you find and secure the right home for your situation.
If we don’t currently have a property available that fits your needs, our team will work with you to:
✅ Identify homes that meet your price range, location, and payment goals
✅ Coordinate with local sellers and agents to make them eligible for our program
✅ Handle the paperwork, negotiations, and setup.
Whether it’s one of our homes or one you pick yourself, RawFunds can help you achieve the goal of ownership without bank approval.
You choose the home — we help you make it yours.
📋 Start by filling out our quick application, and tell us what you’re looking for. We’ll do the rest.
Common Questions
Straight answers to what you're wondering.
🏠 What makes RawFunds different from a bank or mortgage company?
We don’t require traditional credit approvals or lengthy underwriting. Instead, we focus on your ability to make the payment and your commitment to homeownership. If you have income and a down payment, you’re already ahead.
💳 Do you check credit?
We perform a soft background and income verification, but no hard credit pull is required. Your credit score is not the main factor — your income, stability, and honesty are what matter most.
💰 How much do I need for a down payment?
Down payments typically start around 20% of the home price, depending on your situation. The larger your down payment, the lower your monthly payment.
🔧 Who handles maintenance, taxes, and insurance?
You do — because you’re the homeowner in every practical sense. This builds true equity and teaches financial responsibility while protecting your investment.
🚫 What if I have bad credit, collections, or past evictions?
That’s okay. We specialize in helping buyers who’ve had life happen — we understand credit challenges and give second chances when others don’t.
🧾 What homes are available?
We work with affordable single-family homes in a growing number of markets.
Our focus is on safe, livable neighborhoods where monthly payments are comparable to local rent — giving you the best path to true ownership without needing bank approval.