Owner Financing · Lease to Purchase · Oklahoma City

Your path to homeownership starts here.

Transparent seller financing for creditworthy Oklahoma families. Own your home from day one, build equity with every payment, and own it free and clear in 15 years — or refinance sooner.

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15 Yr
Path to Full Ownership
30
Day Closing
15%
Down Payment
Day 1
Equity Building

What we do

Homeownership for families banks overlook.

We help creditworthy Oklahoma families ready to own a home but overlooked by mortgage lenders. We purchase the home and finance the sale ourselves — a fixed 15-year contract for deed that puts your family in the home now and the deed in your name at payoff.

  • Your home from day one

    Not renting. Move in under a contract for deed — every payment builds toward the deed in your name.

  • Build equity

    Every payment chips away at principal — value compounds for you, not a landlord.

  • No lost option fees

    Nothing to forfeit. Your down payment is real equity.

  • Transparent pricing

    Clear contracts. No hidden costs. No predatory clauses.

  • Fixed for 15 years

    Your rate and payment never change — no balloon, no surprises.

  • Professional support

    Guidance from application through refinance — we succeed when you do.

Our products

Choose the path that fits your family.

Buy now with Twelve22 owner financing, or lease first and buy when you're ready. Same homes, same team, same transparent terms.

Owner Financing

Own it from day one

We buy the home and finance the sale ourselves under a contract for deed. Your payments build equity from the first month, and the deed is yours at payoff.

  • 15% down at closing — your equity from day one
  • Fixed 10% rate (10.00% APR) for 15 years, fully amortizing, no balloon
  • Pay off or refinance any time
How it works Pricing & calculator →
Lease to Purchase

Lease first, buy when you're ready

Move in with less upfront, earn credits toward the purchase with every on-time payment, and buy the home on your timeline.

  • 5% non-refundable option fee, credited toward your purchase price
  • One all-in monthly payment, property taxes and insurance included
  • Lease up to 6 years and buy any time with any lender
How it works Pricing & calculator →
Compare products side by side →

How owner financing works

Five steps. One straightforward path.

Application to keys to full ownership — here's the whole arc.

  1. 01

    Apply Online

    5-minute application. Pre-qualified within 24–48 hours.

  2. 02

    Find Your Home

    Our in-house real estate specialist searches the OKC metro with you, start to finish.

  3. 03

    We Purchase

    Twelve22 buys the home and writes a transparent owner-financing agreement.

  4. 04

    Close & Move In

    Standard 30-day closing. Sign papers, get keys, start your future.

  5. 05

    Own It Outright

    Pay off your fixed 15-year note — or refinance into a traditional mortgage whenever you're ready.

See the full process →

Owner financing · The numbers

Program details at a glance.

A fixed 15-year note — no balloons, no surprises, and the freedom to refinance whenever you're ready.

Example · $180,000 Home

Down Payment (15%)
$27,000
Total Due at Closing
$27,000
Monthly Payment (P&I + escrow)
~$1,970
Down Payment 15% of purchase price
Interest Rate 10% fixed (10.00% APR) for the full term
Loan Term 15 years, fully amortizing · no balloon
Property Range $150,000 – $230,000
Service Area Oklahoma City metro
Early Payoff Any time · 1% of remaining balance

Ready to start your journey?

Complete your application in 5 minutes. Pre-qualification within 24–48 hours.

Apply Now Schedule a consultation