You work hard for every buyer

Stop Losing Good Buyers Just Because the Bank Says No

You pay for leads, sit open houses, chase paperwork, juggle lenders, and then…

File gets torpedoed over credit history
Self‑employed income the underwriter doesn’t like
Tax returns that don’t “fit the box”
Unreportable or irregular income that everyone knows is real, but no one will count

The worst part: you did your job. They can clearly afford the monthly payment.

You still lose the deal at the eleventh hour – and you

don’t get paid.

TruHaven Partners exists so that doesn’t have to be the

end of the story.

Submit Your Buyer’s Scenario(3‑Minute Form)

Have Questions About Buying Without a Bank?

Not sure if you or your buyer are a fit for us? Share a few details and we’ll walk you through what’s possible, what’s not, and what the next steps would look like. No pressure. No sales script. Just clear answers.

Prefer Spanish? / ¿Prefieres español? Hablamos español

Prefer to talk through it first?

You can reach our team after you submit the information on the 'Contact Our Team' short form. It will help us prepare and how to best follow-up with you.

Contact Our Team

We review and respond within 24–48 hours or two (2) business days.

A No‑Bank Path For Buyers

Who Can Afford the Payment

TruHaven Partners is a Texas‑based, compliance‑first platform for owner‑occupant home purchases when traditional financing falls apart.

Here to Help in the Following Situations

Buyers denied late in the process or at closing

Self‑employed or 1099 with “messy” tax filings

Solid income, but negative credit events in the past

Tap into home equity for any number of reasons

Your buyer still gets a real home, with ownership from Day 1, guided by licensed professionals.

You stay in the relationship. We handle the structure. While seamlessly working within your process.

Why Work With Us:

Agents, Brokers, and Realtors

You still get paid
turn a bank rejection into commission

Quick Pre-Approval

decisions and letters in 24–48 (business) hours

Working With You

will be collaborative & seamless

Communication

Everyone kept in the loop through every step

Compliance
3rd party review, servicing, & disclosures

How it works for you & Your Buyer

Send us a Denied or Stuck Buyer

You send us a denied or stuck buyer.
They can afford a realistic monthly payment, but hit a wall with traditional financing.

Bank‑free path to ownership

We handle the approval, deal structure, legal documentation, and coordination with third‑party professionals.

Normal Duties & Responsibilities*

Guide your client like any other purchase.

Get Paid & Close More Leads

No extra licenses, no creative paperwork, no new software to learn. More deals from the same leads, without extra work on your side.

*You stay involved through closing, represent your client as usual, and are compensated at closing per the agreed structure.

Sell More Homes to Bank‑Denied Buyers – Lunch & Learn

Host a focused Lunch & Learn with TruHaven Partners at your office. Over one practical session, your agents learn how to safely help more buyers who can comfortably afford a fixed monthly payment but don’t fit traditional bank boxes today.

They’ll leave knowing exactly when TruHaven may be an option and how to introduce it without changing their role or taking on extra risk.

Request a Lunch & Learn for Your Office

Who is This Page For?

Denied Buyers

Can't qualify conventionally but can pay a fixed monthly payment

Self-Employed Clients

They have the income, they just keep getting denied for a unique file

Almost There Buyers

Convert more deals that are already in your pipeline

If your buyer can afford a fixed monthly payment and has down payment funds, but the file is a mess for traditional financing, we may be the partner that saves the deal and makes you look like the hero.

15+

Years of

experience

How You Get Paid

For properties listed on MLS:

We honor the posted buyer‑agent commission
You’re paid through your brokerage at closing like any other transaction

For off‑market/MLS or TruHaven‑sourced properties*

We pay a flat 3.0% buyer‑broker commission at closing
Written into the contract or a simple Buyer Broker Compensation Agreement

*subject to case by case review and existing agreements

If you only want to refer a denied buyer and let another agent handle the showings and contract:

$500 referral when you refer a new client to us and we close on a property for your referral
If you later rep them on a TruHaven Partners purchase, you still get the full 3.0% buyer‑broker commission

Submit Your Buyer’s Scenario(3 Minute Form)

What You Handle vs. What We Handle

You Handle:

Relationship with your buyer
Property search and showings (if you choose)
Writing and negotiating the purchase contract
Coordinating inspections and working with title

We Handle:

Buyer intake and ability‑to‑pay review
Deal structure and terms
Legal documentation and closing coordination
3rd‑party professionals (servicing, compliance, etc.)

What Its Like to Work With Us?

Straight Answers

Clear next steps and how to strengthen your application for better terms

Clear Explanations

Every document, term & number is explained in plain language before you sign

Trustworthy Team

Independent professionals so multiple experts review your file and questions answered

Respect & Candor

No pressure, no rush, no judgment—only your ability to succeed going forward

Clear Path to Homeownership

what we offer ?

We provide a clear, structured path to homeownership, with tailored options and expert support so you can move forward with confidence.

Stay in Home

Keep living in your home with a clear, structured plan.

Stay in your home with a clear plan:
Simple steps and timelines so you always know what comes next.
Payments you can actually handle:
Terms built around what you can afford today, with no surprises.
Protect your equity and regain control:
Preserve as much of your equity as possible while we guide you back to stability.

We stabilize your situation, remove the chaos, and help you regain long-term control.

No Banks

People who can afford the payment but can’t qualify without financing.

Own a home without a bank:
who can afford the payment but don’t fit bank rules.
Fixed, predictable monthly payment:
Clear terms, simple docs, no surprise jumps.
Built to protect you and your future:
State‑compliant structure, pro servicing, and freedom to refinance later.

We help you buy a home to live in using a bank‑free structure with fixed, predictable terms from day one.

Access Equity

Homeowners who want to use their home’s value as security under clear terms and a defined payback schedule.

Access cash without moving:
Tap a sensible share of your home’s value while you keep living there.
Clear terms and payments:
Fixed schedule, written plan, and no surprises.
Keep control of your home & future:
Safe limits, flexible payoff options, and a path to stronger long‑term finances.

We keep it straightforward: clear terms, sensible limits, and a plan that protects your home and your future.

Frequently Asked Questions (FAQs): Brokers & Realtors

How will I get paid if my client uses TruHaven Partners?

You stay in the transaction and are compensated through the normal closing, documented in writing before we move forward.

When should I bring TruHaven Partners a potential deal?

As soon as you see financing friction: denial, messy tax returns, self‑employed income, or a “file the bank hates.”

What type of buyers are a good fit?

Owner‑occupants who will live in the home, can afford a fixed monthly payment amount, and have the funds for the down payment, plus closing fees, and additional items (we disclose and explain any/all numbers before you sign).

Who is not a good fit for TruHaven Partners?

Individuals planning on not living in the property. Investors, flippers, short‑term rentals, or buyers who truly can’t afford the payment, even with flexible structuring.

How fast can you pre-qualify my client?

Once we have a complete file, we typically deliver a decision and pre‑qualification letter within one (1) to two (2) business days or 24–48 hours.

Do you replace me or compete with me?

No. You are the real estate professional. We handle structure and compliance; you handle representation, negotiation, and relationship.

Will I lose control of the client relationship?

No. You stay copied on key communication and remain your client’s main real estate contact throughout.

Is this legal & compliant in the state of Texas?

Yes. Every owner‑occupant transaction runs through a licensed 3rd party, third‑party servicing, title, and Texas‑specific disclosures. If you have more questions, please feel free to reach out and happy to discuss.

What areas do you work in currently?

We are open to properties across the Great state of Texas. At the moment we are focused on: Austin, San Antonio, Houston, and surrounding Texas markets for owner‑occupant creatively structured or financed transactions.

Does it cost me anything to refer a client?

No. There is no fee or long‑term contract for agents or brokers.

How do I send you a lead, “dead” or denied deal?

Submit a short referral form on this page or set-up a 15 minute intro cal. We’ll review, give you a clear yes/no, and outline next steps.

Save a Stalled Buyer (24–48 Hour Review)

Have a buyer who can afford the payment and has funds set aside, but the file is a mess for traditional financing? Share the basics below and we’ll review the scenario within 24–48 business hours. You stay in the deal. You stay in control of the relationship.