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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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What is the most common street name in the US?
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Second Street ranks as the most common street name. First Street is not #1 because many "First" streets are called "Main" Street. |
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Cristine Clark
Realty Executives
911 Hacienda Drive
Vista CA 92081
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SellingHomes@CristineClark.com
Instant Home Value: Cristine@CristineClark.com
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Cristine Clark has served in the real estate industry for 31 years and enjoys experience in various aspects of real estate, including Investment Property sales, New Home sales, Re-sales, Foreclosures, Short Sales, Land Sales, and much more.!
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