Seller Finance



In simple terms, Owner Financing means the seller is helping the purchaser to buy the house. Owner financing refers to a transaction in which the seller of a house provides all or part of the financing. Sellers may provide financing because they need to sell the property right away or they are having difficulty selling the house and want to provide financing as an incentive to a buyer.

Banks follow a number of rules and regulations before approving loans. The process is lengthy and time consuming. It’s an understatement to say that banks are raising bars for loan eligibility, which is making it more difficult to acquire finance. Owner financing comes to your rescue at these times.

LET’S LOOK AT AN OWNER-FINANCE EXAMPLE…                                                           
(Just Add 0’s for your area as needed-works in all price ranges)

Here’s an example that we have recently done:

             The seller wanted $135,000, 6% interest which makes the monthly payment $797.40 per month. (Principal & Interest). We set the term for 5 years. We paid for the insurance and property taxes. This was all set up through an escrow company to insure everyone was paid on time.

Sales Price: $135,000                     Monthly Payment: $797.40
Interest Rate: 6%                            Term: 2-5 Years (Negotiable)
Down Payment: $2,000

We paid the seller monthly payments for 5 years and then paid the balance off in full by refinancing with a bank. The initial term is set for 5 years but could be purchased any time before the end of the term.

Let’s See How The Seller DID:

Sales Price: $135,000 – Down payment $2,000 = New Purchase Price of $133,000

The seller received monthly payments of $797.40 for 5 years. They received monthly cash flow with no maintenance costs or repairs for the entire agreement. At the end of the term, the balanced owed was $123,762.45. We paid the balance off and the seller received a nice profit. The seller received $36,606.45 just in interest. Total payment for five years was $171,606.45. Much better than receiving and all cash offer 5 years earlier.

What’s The Point?

You may be asking yourself, “What’s the point of this real estate lesson?” Well, first we are Real Estate Agents and we are a group of private investors that specialize in Owner Financing, Leasing, Buying, Fixing, Marketing, and Selling Houses.

We offer a unique Owner Finance program that will fit your needs. We will Owner Finance your home from you at an agreed price and terms. We will find a suitable buyer that we will qualify, to live in your home. When our buyer is ready to buy, we will help them get financing to buy your home. We will then buy the house from you and the new buyer will buy the house from us. Our price is higher than what we bought it from you. This is a WIN/WIN situation.


  • Build Equity every month

  • No long vacancies

  • Safer than conventional rentals, better quality tenants

  • No management headaches

  • Receive non-refundable down-payment

  • No Maintenance Costs or Repairs

  • Tax benefits

Why Don’t I Just List It With A Realtor?

It won’t hurt you to list your home unless it doesn’t sell. However, most real estate brokers simply just list the home on the MLS and hope to get a bite. The first problem with listing your home is that there are thousands of homes on the MLS. Realtors also have several other homes they are trying to sell as well. The second problem with listing your home with a Broker is that they don’t understand what Owner Finance is or they will say there isn’t enough money for a commission.

When we agree with you to Owner Finance your home from you, we take it seriously. We treat your home as if it was ours. We are constantly thinking of ways to move your house faster, so you can get on with your life.

                                       What If The Tenant/Buyer Tears Up My Home?

Well, there is no guarantee that a tenant won’t damage your property. But under our agreement, if that happened, we would repair it at our expense. Our goal is to find a buyer that will be able to qualify for a loan. It has been our experience that Lease-Option buyers treat the home as if it was their own, so damages are rarely a problem.

What about a Property Manager?

A property manager will charge you around 8-10% of the monthly rent. Sometimes you will need to follow up on property managers to make sure their doing their job. Anytime there are repairs needed, the property manager will call a repairman to fix the problem at your expense. Not only are you losing 8-10% every month but also you will be paying all repair costs.

How Can I Trust You?

You are probably asking yourself, “How can I trust these people with my house?” Great question. We understand your concern. If there is anything we can provide you so you feel comfortable with us, just ask. We want you to be able to sleep at night and not have to worry about your home. 

Give us a call today and find out how we can sell your home with our Owner Finance Program. If you want an alternative to the stale conventional ways of selling your home, pick up the phone and call us NOW! Our company is about RESULTS. We’re confident that our program will work for you. 

See the full Report Below: “Why Should I Take Payments When I Sell?