Pay monthly. Own outright.
Pay monthly. Own outright.
Skip the 30-year mortgage and the 90-day approval. DIG finances your land or home directly — fixed rate, no balloons, no early-payment penalties. Decisions in 3–5 days.
Made for buyers banks won't underwrite.
Most Dallas land doesn't qualify for a traditional mortgage — banks want move-in ready housing on titled, surveyed lots with utilities. We finance the rest. And we do it without the 60-day paper chase.
Decisions in 3–5 days
Instead of 60–90 days of bank back-and-forth, we underwrite in-house against the property and your income.
Locked APR from 11.5%
Fixed for the life of the loan. No teaser rates, no resets, no balloons. What you sign is what you pay.
No early-payment penalties
Pay it off whenever you can — partial or full — without giving up a dollar in interest savings.
Title-verified, escrow-protected
Every property's title is checked at Dallas County Records. Your deposit sits in regulated escrow until closing.
| DIG | Traditional bank | |
|---|---|---|
| Approval time | 3–5 days | 30–90 days |
| Down payment | 5–20% | 20–25% |
| Credit score floor | No hard floor | 620+ |
| Vacant land OK | ||
| Self-employed OK | Hard | |
| Early-payment penalty | None | Often 1–3 yrs |
| Balloon payments | None | Common on land |
| 7-day cool-off |
Four boxes to check.
Most Dallas residents qualify. Here's exactly what we look at — no hidden criteria, no scorecard tricks.
You're 18+ & based in the US
You need a US address (Texas not required) and a valid government-issued ID. Diaspora buyers welcome with a US co-signer.
Verifiable income
Two recent payslips or three months of bank statements. Self-employed? Submit 12 months of business deposits or a recent tax return.
10% deposit (typical)
Most properties are at 10%. Some accept as low as 5% with a stronger income profile, others ask 20% on premium plots.
Sensible debt-to-income
Monthly housing payment under 35% of gross monthly income, including this loan. We'll tell you instantly if you're outside.
What we don't require
No minimum FICO score, no W-2 employment history, no US citizenship. We do a soft credit pull at application (no impact on score) and a hard pull only at final underwriting, after you've reviewed and accepted indicative terms.
Monthly payment simulator.
Move the sliders. Indicative numbers based on DIG's standard rate card — your final rate may vary by 0.5–1.5% depending on profile.
Set your scenario
Pick a property type, then dial in price, deposit, and term.
Estimated principal + interest, fixed for the life of the loan.
What you'll need to submit.
Have these ready and your application moves from interest to indicative offer in a single day.
Identity (everyone)
- Government-issued photo IDDriver's license, US passport, or state ID
- Proof of addressUtility bill, lease, or bank statement, last 90 days
- Social Security NumberOr ITIN — required for Texas owner-financing
Income (one of these)
- Employed: 2 recent payslipsAnd 3 months of bank statements
- Self-employed: 12mo of bank statementsOr your most recent IRS Form 1040
- Retired/diaspora: pension or remittance proofPlus 6 months of US-bank deposits