How it Works
🧩 Simple. Transparent. No Surprises.
3 Steps:
1️⃣ Apply Online
Fill out our quick pre-qualification form. No hard credit pull — just basic info about your income and goals.
2️⃣ Get Matched with a Home
We’ll show you available homes or help you find one in your price range.
3️⃣ Move In and Build Equity
You move in, make monthly payments, and build ownership over time — not just rent receipts.
🏡 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.
💬 Frequently Asked Questions (FAQ)
🏠 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 10–20% 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.