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Financing Your Home >Owner Financing
If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.
Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.
Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.
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| Q |
What 70-room East Coast mansion was built as a summer home and is known as a "Gilded Age cottage"?
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| A |
Cornelius Vanderbilt's "Breakers" Mansion in Newport, Rhode Island, named for the waves crashing along the cliff that separates the property from the ocean. |
 See More Real Estate Trivia > |
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Cary Fargo & Doug Schaeffer
Prudential California Realty
7300 Healdsburg Avenue
Sebastopol, CA. 95472
Cary's Phone: 707-824-4507
Doug's Phone: 707-824-4502
Fax: 707-829-5028
Cary's Email: cfargo@sonic.net
Doug's Email: doug3@sonic.net
No one knows Sonoma County like Cary Fargo and Doug Schaeffer. They specialize in Country Properties. Call or email Cary or Doug today!   
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