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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 is the world's oldest wooden structure?
A	The oldest wooden buildings are the Pagoda, Chumanar Gate and Temple of Horyu in Nara, Japan, dating from A.D. 670.
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Sue De Legge, REALTORÂŽ, real estate agent and broker for Encinitas, Olivenhain and Carlsbad California home listings, property and land for sale - NUMBER1EXPERT(tm)

Sue De Legge Lic. # 01304408
Gina De Legge Lic. # 01746528
Coldwell Banker
162 South Rancho Santa Fe Road, Suite A-30
Encinitas, CA 92024
Cell Phone #: 760 207-7749
Office Phone #: 760 635-4402
Office Fax #: 760-436-5229
Awarded among the top 30 agents of San Diego, Sue De Legge has the track record and experience necessary to reach all your real estate goals. Her sincere dedication and commitment to excellence provides you the service and results you deserve, therefore, setting her apart from others in the industry. Past clients praise her professionalism, personalized service and attention throughout the entire process of buying and selling their homes. Serious home seller's & buyer's use Sue De Legge as their preferred real estate professional of choice.

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