3BR/2BA Owner Finance Home in Bessemer, AL | $138,159

2101 Clarendon Ave, Bessemer, AL 35020

Purchase price: $138,159

3 bed / 2 bath · 1,779 sqft

$23,900 down · $1,018/mo · 7.5% fixed rate

What's special

About this home

3-bedroom, 2-bath home in Bessemer with about 1,779 square feet, remodeled in 2025. A wide covered front porch wraps around the house. Inside are high ceilings, new flooring throughout, original fireplace mantels, a living room that opens through an archway to a bright dining room with a bay of windows, a kitchen with stainless appliances and butcher block counters, and two updated bathrooms with white subway tile. No HOA. Owner financing available, no bank needed. Reach out and our team will walk you through the numbers and set up a tour.

Status: Available

Terms on this home

How much is the down payment on this home?

$23,900. The down payment goes into a home you own: the deed is recorded in your name at closing, through a title company. If that feels like a stretch, tell our team what you have, because the down payment and the monthly payment move together.

What is the monthly payment?

$1,018 a month. A third-party company services the loan and documents every payment. A larger down payment lowers the monthly payment.

Is the interest rate fixed?

Yes. The rate on this home is 7.5%, fixed for the life of the agreement, and it is the same whatever your credit looks like.

Do I own the home at closing?

Yes. The deed is recorded in your name at closing, through a title company. This is not rent to own: there is no renting first and no option to exercise later. Close in as little as 14 days.

Is there a credit check to buy this home in Bessemer, AL?

No. No credit check, no bank and no mortgage application. Approval comes down to the down payment and steady income, and our team does a basic verification of what you earn.

Does no credit check really mean no credit check?

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