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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 was the first land designated by the US government as a National Park?
A	Yellowstone was established "as a public park or pleasuring ground for the benefit and enjoyment of people" in March 1872.
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Terrence Boykin, REALTOR®, real estate agent and broker for Washington DC, Montgomery County and Fairfax County, Maryland home listings, property and land for sale - NUMBER1EXPERT

Terrence Boykin
RE/MAX 2000 Realtors
11900 Parklawn Dr.
Rockville, MD 20852
202-256-6509
Fax: 202-355-7544
terrenceboykin@NUMBER1EXPERT.com

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