How Buying a Home Works

A simple path to homeownership. Seismic Shift Homes works with property owners to market homes available through owner financing and help buyers through the purchase process.

1

Choose Your Home

Browse available homes, schedule a self-guided showing, and find the property that's right for you. Every listing shows the down payment, monthly payment, square footage, and other key details upfront — so you can compare homes and narrow down your options before reaching out.


2

Review the Purchase Terms

Review the purchase price, down payment, monthly payment, and all agreement details before deciding whether to move forward. We'll help you understand the purchase terms and answer any questions before you decide whether to move forward. You can reach us by text or email at any point in the process.


3

Complete the Purchase

Complete the required paperwork and begin your path toward homeownership. We work with you directly through every step of the closing process to make sure everything goes smoothly.

Common Questions

Do I need good credit to qualify?

No credit check is required. We evaluate buyers based on their ability to make the down payment and monthly payments, not their credit score.

Is bank approval required?

These properties are offered through owner financing directly from the property owner, so traditional bank or mortgage approval is not required.

How do I schedule a showing?

Text or email us using the contact information on any listing page. We'll coordinate a time that works for you.

What markets do you operate in?

We currently offer homes in the Decatur, Peoria, and Greater St. Louis (Illinois and Missouri) markets, with new listings added regularly.

Ready to Get Started?

Browse our available homes and find one that fits your budget and needs.

Browse Available Homes