flgaland@gmail.com
    (386) 243-0124

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Owner Financed Homes in Florida

Owner Financed Homes in Florida - Seller Financed Homes for Sale in Lake City

If you’re looking for an owner financed home in Florida, you’re definitely in the right place. Owner financed homes can give you the freedom you need to make a purchase without forcing you to work with traditional lenders—and in many cases, they’re great opportunities.

Owner Financed Homes in Florida: What You Need to Know

How does seller financing work in home sales?

You might be surprised (or might not be surprised) to know that things can be simpler when you don’t involve big banks and mortgage lenders.

Not all sellers are able or willing to take on the banker role, but those who are can often sell their homes more quickly, deal with lower down payments, and even offer better loan terms than banks can offer.

When you find an owner financed home in Florida that you want to purchase, you’ll have a different home-buying process than you would if you worked with a traditional lender.

You and the seller will negotiate the purchase price of the home, your down payment, and other terms. From there, you’ll sign a promissory note that includes the loan’s terms, and then record it with the local public records authority.

As the buyer, you’ll pay back the loan over time, which will most likely include interest.

In many cases, owner financed homes in Florida are short-term loans. You may have a loan that’s amortized over 30 years but be required to make a balloon payment in five years, for example, or the terms may vary; it’s really between you and the seller. In many cases, people purchase an owner financed home with the intention of securing traditional funding once their financial situation improves.

Are You Looking for Owner Financed homes in Florida?

You can skip straight to our listings of owner financed homes in Florida or you can call us at 386-243-0124. If it’s easier, you can also contact us online. Tell us what you want from your next home and we’ll start looking right away.

 

Posted in: Blog, Buying, For Sale By Owner, Owner Financing, Seller Financing Tagged: Buy a Home in Lake City, Down Payment, Lower Down Payment, Owner Financing, Seller Financing, Short-Term Loans

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Search Smarter

Did you know the hottest North Florida land for sale often sells within days of being listed? Don't miss out! Set up your own custom property alert so you can be notified of the newest land as they hit the market! Simply click the button below and choose the types of North Florida land you are looking for and save your search to start getting alerts today!

New Property Alerts

As a local expert, I also have access to North Florida land for sale before it hits the market and can show you more information that is only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact me contact me at your convenience. There is no obligation and or pressure... I hope to hear from you!

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