Common questions, answered.

You're not renting — you own the home from day one. You're financing the purchase through us instead of a bank. You build equity with every payment, can make improvements, and have all the benefits of homeownership.

No. You have a fixed 15-year note at 10% with no balloon — simply make your payments and you own the home free and clear at the end. Refinancing into a traditional mortgage is an option any time, with no penalty, never a requirement.

Yes. It's your home. You can paint, renovate, landscape — whatever you'd like. Just maintain the property value and follow local building codes.

You can sell anytime through a normal home sale process. You'll pay off your loan to Twelve22 Capital and keep any equity you've built.

Yes. We review credit as part of our underwriting process — but we're more flexible than traditional lenders and review applications on a case-by-case basis.

We don't have a strict minimum credit score. We look at your complete financial picture including income stability, payment history, and reasons for credit challenges.

It depends on your home price. For a $180,000 home, the monthly payment is approximately $1,741 in principal and interest, plus escrowed property taxes and insurance — about $2,080 all-in.

No. You can refinance or pay off your loan early without any penalties.

We're a licensed Oklahoma LLC with transparent practices and clear contracts — a real deed at closing, a fixed fully amortizing note, and payments handled by a licensed servicer. We succeed when you succeed.

We earn interest on the financing we provide (the spread between what banks charge us and what we charge you), and we benefit when property values appreciate. The model is completely transparent.

As the homeowner, you're responsible for maintenance and repairs — same as any homeowner. We recommend keeping a home emergency fund and considering a home warranty.

Absolutely. Many of our customers are first-time buyers. We provide education and support throughout the process.

We currently serve the Oklahoma City metro: Edmond, Norman, Moore, Yukon, Mustang, Bethany, Midwest City, Del City, and surrounding communities.