Short Sale

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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 Kauai location was used to portray Never-Never Land in "Hook," the remake of Peter Pan by Steven Spielberg?
A	Kipukai beach
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The Feld-Kaminsky Group, REALTOR®, real estate agent and broker for North Scottsdale, McDowell Mountain Ranch, Desert Ridge and Kierland, Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Lorrie Feld, ABR, GRI & Joe Kaminsky, IRES
Keller Williams Integrity First
8525 E. Pinnacle Peak Road, Suite 100
Scottsdale, AZ 85255
Lorrie's Cell: 480.570.1074
Joe's Cell: 602.284.0811
Fax: 480.889.7399
Team Email: feld-kaminsky@azrealtygroup.com
Lorrie's Email: lfeld@azrealtygroup.com
Joe's Email: jkaminsky@azrealtygroup.com
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