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Far Beyond Our Expectations
“It's clear he loves his job, and we will recommend him to our friends!”

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I Highly Recommend Him
“He found the house I had been searching for, educated me and took me through the process effortlessly!”

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The Ability To Listen
“I appreciated your counsel, and the professional manner in which you followed through.”

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School Reports in Sebastopol, Graton and Occidental, California
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Real Estate Tips
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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Real Estate Trivia
Q 
What 70-room East Coast mansion was built as a summer home and is known as a "Gilded Age cottage"?

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.
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Cary Fargo & Doug Schaeffer, REALTOR®, real estate agents and broker for Sebastopol, Graton and Occidental, California home listings, property and land for sale - NUMBER1EXPERT(tm)

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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