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2.56 Acres Lancaster, Los Angeles County, CA

230th St E, Lancaster, California 93535

4Picture(s)
2.56Acres
The Sheer Beauty of this property and the constant sunshine makes it super easy to plan your days, get outdoors and stay active. Live a simpler life, with far fewer crowds, traffic, and congestion. This property provides a harmonious vibe and comfort that you needed to recharge, renew and reset away from the hustle and bustle of the crowded city.
$8,995

2.56 Acres Lancaster, Los Angeles County, CA

230th St E, Lancaster, California 93535
2.56Acres
The Sheer Beauty of this property and the constant sunshine makes it super easy to plan your days, get outdoors and stay active. Live a simpler life, with far fewer crowds, traffic, and congestion. This property provides a harmonious vibe and comfort that you needed to recharge, renew and reset away from the hustle and bustle of the crowded city.
$8,995

2.56 Acres Lancaster, Los Angeles County, CA

230th St E, Lancaster, California 93535
$8,995
10Picture(s)
1.03Acres
Feel the warm Arizona sun melt away your stress knowing you are investing in the only Real Estate investment that cannot be duplicated...land.This lot is in the popular area of White Hills, Arizona which is a great location being away from everything but so close at the same time. It is only about 1 hour and 16 minutes or less to Las Vegas, NV. You won't find a better location at this price.
$8,372

1.03 Acres White Hills, Mohave County, AZ

White Hills, Arizona 86445
1.03Acres
Feel the warm Arizona sun melt away your stress knowing you are investing in the only Real Estate investment that cannot be duplicated...land.This lot is in the popular area of White Hills, Arizona which is a great location being away from everything but so close at the same time. It is only about 1 hour and 16 minutes or less to Las Vegas, NV. You won't find a better location at this price.
$8,372

1.03 Acres White Hills, Mohave County, AZ

White Hills, Arizona 86445
$8,372

Oklahoma, Okfuskee County, 20 Acre

Lot 14 Silver Moon Ranch, Paden, Oklahoma 74860

5Picture(s)
20Acres
Silver Moon Ranch,Lot 1420 AcreWith its beautiful landscapes, warm weather, plentiful lakes and streams and Southern hospitality southeastern Oklahoma is becoming a popular choice for people looking to relocate. The crystal clear lakes, rugged mountains, secluded meadows and piney woods create a diverse array of geography and wildlife.This lot is being offered for sale with financing.
$52,493

Oklahoma, Okfuskee County, 20 Acre

Lot 14 Silver Moon Ranch, Paden, Oklahoma 74860
20Acres
Silver Moon Ranch,Lot 1420 AcreWith its beautiful landscapes, warm weather, plentiful lakes and streams and Southern hospitality southeastern Oklahoma is becoming a popular choice for people looking to relocate. The crystal clear lakes, rugged mountains, secluded meadows and piney woods create a diverse array of geography and wildlife.This lot is being offered for sale with financing.
$52,493

Oklahoma, Okfuskee County, 20 Acre

Lot 14 Silver Moon Ranch, Paden, Oklahoma 74860
$52,493

5 Flat Acres with Power Nearby

Christmas Valley, Oregon 97641

6Picture(s)
5Acres
5 Flat Acres with Power Nearby-- Save over $3,000 by paying CASH!-- Message me for access to the drone video!This 5 acres lot is located 10 minutes west of Christmas Valley, OR. The lot is flat and perfect for building or parking an RV.The property has direct dirt road access which is easily accessible from paved county highway 5-14G.
$7,450

5 Flat Acres with Power Nearby

Christmas Valley, Oregon 97641
5Acres
5 Flat Acres with Power Nearby-- Save over $3,000 by paying CASH!-- Message me for access to the drone video!This 5 acres lot is located 10 minutes west of Christmas Valley, OR. The lot is flat and perfect for building or parking an RV.The property has direct dirt road access which is easily accessible from paved county highway 5-14G.
$7,450

5 Flat Acres with Power Nearby

Christmas Valley, Oregon 97641
$7,450

2.08 Acres California City, Kern County CA

Oldsmobile Blvd, California City, California 93505

4Picture(s)
2.08Acres
Enjoy a stress-free and peaceful life at this quiet location in California City. Its high time to allow yourself to get rid of the modern-robotic life and embrace the brand new simplified lifestyle. The land gives you added advantage of getting more time to explore your inner you and keep away from social media.
$6,279

2.08 Acres California City, Kern County CA

Oldsmobile Blvd, California City, California 93505
2.08Acres
Enjoy a stress-free and peaceful life at this quiet location in California City. Its high time to allow yourself to get rid of the modern-robotic life and embrace the brand new simplified lifestyle. The land gives you added advantage of getting more time to explore your inner you and keep away from social media.
$6,279

2.08 Acres California City, Kern County CA

Oldsmobile Blvd, California City, California 93505
$6,279
6Picture(s)
39.65Acres
This 39.65 acre parcel is situated near the base of Blue Mountain in Humboldt County Nevada. The property is accessible off of Jungo Road (49) and lies roughly 15 miles west of the town of Winnemucca and 75 miles south of the Oregon border. Survey map notes indicate in section 2.
$17,900

39.65 Acres, Humboldt County, NV - 7364

Address not available!
39.65Acres
This 39.65 acre parcel is situated near the base of Blue Mountain in Humboldt County Nevada. The property is accessible off of Jungo Road (49) and lies roughly 15 miles west of the town of Winnemucca and 75 miles south of the Oregon border. Survey map notes indicate in section 2.
$17,900

39.65 Acres, Humboldt County, NV - 7364

Address not available!
$17,900
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Owner Financing Land News 

Things to Know About Owner Financing

Things to Know About Owner Financing

Owner financing is one of the first things that comes to mind when buyers find a great piece of land on the market that they wish to purchase. Depending on the property, it can be hard to find traditional financing on a piece of land. With owner financing, buyers skip using a bank and a traditional mortgage. Instead, the seller finances the person who wants to purchase the property, usually holding the note until the property is paid off in full read more…


Benefits of Owner Financing for Your Land Purchase

Owner-Financing-Land

Buying land is a substantial investment, and many first-time buyers aren’t aware of all their financing choices or may feel intimidated by the process. There are a variety of options when it comes to financing property, but the traditional forms may not always be viable. Have you heard of owner financing? Are you aware of the benefits? Read on to learn why owner financing your land purchase maybe read more…

Owner Financing

It might seem out of the ordinary for a buyer to ask a seller to help buy their home. It is actually a quite common occurrence for a seller whose home is not selling or buyer who is having trouble with traditional lender guidelines. Owner financing is also popular in local real estate markets where the scene is a buyer’s market.

So, what is owner financing, you may ask? Owner financing is when the current homeowner puts up part or all the money required to buy a property. To make things simple, the buyer is borrowing money from the seller instead of taking out a mortgage with a commercial lender. Buyers can choose to fully finance a purchase in this manner or combine a loan from the seller with one received from a banking institution.

When it comes to owner-financing, there are benefits for both buyers and sellers.

Buyers who choose owner financing can reap several advantages:

  1. When it comes to owner financing, there is little or no qualifying.
  2. Buyers and sellers can choose from a variety of loan repayment options or a combination of them.
  3. Without an institutional lender in the picture, there are no loan or discount points, origination fees, processing fees, administration fees, or any other assorted miscellaneous fees that lenders routinely charge which in turn leads to saving money on buyer closing costs.
  4. Buyers and sellers can select from a variety of the following loan repayment options: interest-only, fixed-rate amortization, less-than-interest, or balloon payment (if your state permits it), or even a combination of these options.
  5. Down payments are negotiable.
  6. There is quicker possession without an institutional lender involved.

Sellers who decide to opt-in for owner-financing reap multiple benefits, as well:

  1. The sales price can be higher since the seller is offering to finance. He or she can command a full list price or higher.
  2. The seller may pay less in taxes on through an installment sale, reporting only the income received in each calendar year.
  3. Payments from a buyer increase the seller’s monthly cash flow, creating spendable income.
  4. An owner-financed loan can carry a higher rate of low-risk types of investments.
  5. Offering owner financing is a great way to make a quicker sale. It can draw in a different set of buyers on a property that has been difficult to sell.

As advantageous as it can be, owner financing is a complex process. Let LandHub.com guide you through every step of the way. We thank you for your interest in our services as you sell your land and land your dream.

Owner Financing Frequently Asked Questions

Owner financing is an arrangement wherein the seller of the property either agrees to accept payment in installments or finances the buyer by giving him enough credit. This makes things easier for the buyer as he does not have to go to a bank to secure a loan.

How does owner financing work?

Owner financing is a useful tool that can be used by buyers to purchase property without having to take a mortgage. Mortgages are taken from banks who lend you money. You, then, have to repay this loan to the bank. However, in owner financing, an arrangement is made where you pay the seller in installments along with interest. Such installments are to be paid until the purchase price has been paid off.

Is owner financing a good idea?

Owner financing is a faster way to close a deal. The problem with banks is that you have to go through a lot of red tape to prove income and assets. You have to wait for the loan officer to inspect, their legal team to process documents and approve them. This method may save you money as you do not have to give any bank fees and other costs that come with that, but make sure to compare the interest rates. The down payment arrangement will be flexible as you can negotiate with the sellers. This method comes in handy to those who are unable to secure a traditional mortgage from a bank.

As a seller, is owner financing a good idea?

The most amazing benefit of owner financing is that it is advantageous to the seller as well as the buyer. Just by eliminating the banks, the middle man, both parties enjoy a variety of advantages. The seller can sell the property as it is without having to make expensive repairs that the conventional lenders demand. This is also a safe form of investment as sellers can earn good returns in the form of interest. If the buyer defaults on his payment, the seller can retain the title of the property along with the down payment. As already pointed out above, this is a faster method to close a deal as the buyer does not opt for a mortgage from a bank.

How does owner financing affect taxes?

When one sells his land using owner financing, instead of an ordinary sale, it is considered to be an installment sale. In an ordinary sale, the buyer pays you in a lump sum. However, in an installment sale, the buyer would hand over a down payment on the date of closing and thereon payments until the last installment. When you report a sale as an installment sale, you will be allowed to realize gains over the coming years. Therefore, instead of paying the entire tax in the very first year, you pay smaller amounts of tax and spread the tax over several years.

Who owns the property in an owner financing deal?

In owner financing deals, the purchaser is entitled to the “equitable title”. On the other hand, the seller is the holder of the legal title. The purchaser will be the owner of the property, otherwise, it would amount to leasing.

Can an owner financed mortgage be reported on your credit report?

Owner financed mortgages do not end up on your credit report. This means that you would not receive the boost in your credit that you get when you use a traditional bank loan.

What are the forms of owner financing?

Mortgages and promissory notes are the most common forms of owner financing. The promissory note mentions the borrowing amount and repayment terms. A mortgage, on the other hand, is a different document. It secures the seller in case the buyer defaults.

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