Seller Financing Options

Three Bedroom, two bath home situated on 3/4 of acre inquire about renting to own or land contract options

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Why purchase and finance a home directly with a seller. First there are no commissions taken out for realtor fees which generally attribute to 7 percent of the cost of selling a home. Just splitting the difference on that number can easily mean thousands of dollars in savings. Another factor is each time a loan is generated there are thousands of dollars in fees generated, so again this can be another source of savings.

The cost of land contracts and rent to own, typically the cost of acquiring a property can be lower in total using a land contract, but the interest rates are usually higher. This makes sense for people that are having a hard time qualifying for a mortgage and need to improve their credit.

It is definitely important to work on credit and get it ready to refinance, this allows you to build equity in the property and refinance with putting little or perhaps even no cash down, while significantly reducing the interest rate.