• Self-employed and can’t qualify for a conventional mortgage?
  • Going through a divorce but want to buy a home now?
  • Recent bankruptcy or foreclosure?
  • Don’t have time or energy to deal with a mortgage broker to get approved?


Seller Financing might be the answer!  Where the seller acts as the bank for the buyer.


Seller financing is a loan provided by the seller of a property or business to the purchaser.  Usually, the purchaser will make some sort of down payment to the seller, and then make installment payments (usually on a monthly basis) over a specified time, at an agreed-upon interest rate, until the loan is fully repaid.


A home seller might be willing to offer financing for a number of reasons:

  • to minimize carrying costs while waiting to find the perfect buyer and get a deal done quickly
  • to distinguish the property from other listings and get it sold faster, especially in a down market
  • to increase the possibility of garnering the home’s full asking price
  • to get a down payment to buy another property
  • to pay down debt
  • to avoid the monthly expense associated with owning the house


Seller financing doesn’t just benefit buyers who don’t qualify for (or don’t want) traditional financing.  It also benefits sellers, especially those who are particularly motivated to sell their homes.

If the seller has an existing loan in place and the buyer is unable to assume the existing loan.  Wrap Financing may be possible.  However, there are significant risks with wrap financing for both buyer and seller


Have you considered a Rent-To-Own Home?

Keller Williams has partnered with Divvy to offer a new take on the Rent-to-Own model.  Offering people an alternative path to their dream home today.

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