Owner Financing LEFT

Owner Financing LEFT

Owner Financing TOP

Owner Financing TOP

Owner Financing RIGHT

Owner Financing RIGHT

Owner Financing TOP

Owner Financing TOP

Advertise Here

Owner Financing Land for Sale

Sort Option
  • Featured
  • Newest Properties
  • Price : High to Low
  • Acres : High to Low
  • Featured
Grid
List

Secluded Wooded Lot - 2.5 Acres (5FL0016)

Magnolia Road, New Smyrna Beach, Florida 32169

12Picture(s)
2.50Acres
We finance! No Credit Check, Great Guarantees, Portion of Sale Goes to Charity, Same-Day Purchase, A+ rating with BBB. Brokers/Realtors welcome; will pay commission.2.
$147

Secluded Wooded Lot - 2.5 Acres (5FL0016)

Magnolia Road, New Smyrna Beach, Florida 32169
2.50Acres
We finance! No Credit Check, Great Guarantees, Portion of Sale Goes to Charity, Same-Day Purchase, A+ rating with BBB. Brokers/Realtors welcome; will pay commission.2.
$147

Secluded Wooded Lot - 2.5 Acres (5FL0016)

Magnolia Road, New Smyrna Beach, Florida 32169
$147

#L11698/ 2.62 Acres San Luis Obispo County, CA

California Valley, California 93403

6Picture(s)
2.62Acres
This 2.62 Acre parcel is located within the Carrizo Planning Area on Clipper Mills Road, just north of Caliente Trail.Roughly 1 mile from Soda Lake Road and other homes, this parcel is under the jurisdiction of California Valley CSD and San Luis Obispo County. The lot which is in the South-West location in California Valley offers panoramic views of the surrounding fields and hills.
$10,500

#L11698/ 2.62 Acres San Luis Obispo County, CA

California Valley, California 93403
2.62Acres
This 2.62 Acre parcel is located within the Carrizo Planning Area on Clipper Mills Road, just north of Caliente Trail.Roughly 1 mile from Soda Lake Road and other homes, this parcel is under the jurisdiction of California Valley CSD and San Luis Obispo County. The lot which is in the South-West location in California Valley offers panoramic views of the surrounding fields and hills.
$10,500

#L11698/ 2.62 Acres San Luis Obispo County, CA

California Valley, California 93403
$10,500
8Picture(s)
0.95Acres
This .95 Acre Parcel is nestled among the pine trees in North Eastern CA, roughly 95 Miles from the city of Redding and 50 miles from the Oregon and Nevada Border and is accessible via dirt road "Ridge Road." Modoc County is an outdoorsman’s paradise full of opportunities to fish, hike, camp, boat and explore.
$3,299

.95 Acre Parcel in California Pines Modoc County, California $6299.00 - L209849-1

Alturas, California 96101
0.95Acres
This .95 Acre Parcel is nestled among the pine trees in North Eastern CA, roughly 95 Miles from the city of Redding and 50 miles from the Oregon and Nevada Border and is accessible via dirt road "Ridge Road." Modoc County is an outdoorsman’s paradise full of opportunities to fish, hike, camp, boat and explore.
$3,299

Live Oak Ranch 39.28 Acres

Brady McCulloch County, Texas 76825

21Picture(s)
39.28Acres
Heritage Ranch is located just west of the town of Brady, known as “The Heart of Texas”. The terrain on the ranch varies from level to gently rolling with vegetation consisting of mainly large Oak and Mesquite trees with native brush. Heritage Ranch was once part of the historic Ford Ranch, where the world famous “Brady Buck” was harvested.
$314,100

Live Oak Ranch 39.28 Acres

Brady McCulloch County, Texas 76825
39.28Acres
Heritage Ranch is located just west of the town of Brady, known as “The Heart of Texas”. The terrain on the ranch varies from level to gently rolling with vegetation consisting of mainly large Oak and Mesquite trees with native brush. Heritage Ranch was once part of the historic Ford Ranch, where the world famous “Brady Buck” was harvested.
$314,100

Live Oak Ranch 39.28 Acres

Brady McCulloch County, Texas 76825
$314,100

1.25 Acre Secluded, Wooded Lot (FL21109)

Keller Avenue, De Leon Springs, Florida 32130

15Picture(s)
1.25Acres
We finance! No Credit Check, Great Guarantees, Portion of Sale Goes to Charity, Same-Day Purchase, A+ rating with BBB. Brokers/Realtors welcome; will pay commission.1.
$125

1.25 Acre Secluded, Wooded Lot (FL21109)

Keller Avenue, De Leon Springs, Florida 32130
1.25Acres
We finance! No Credit Check, Great Guarantees, Portion of Sale Goes to Charity, Same-Day Purchase, A+ rating with BBB. Brokers/Realtors welcome; will pay commission.1.
$125

1.25 Acre Secluded, Wooded Lot (FL21109)

Keller Avenue, De Leon Springs, Florida 32130
$125

2.5 Acres of Peace and Tranquility (TX21135)

0 Street Name, El Paso, Texas 79928

18Picture(s)
2.50Acres
We finance! No Credit Check, Great Guarantees, Portion of Sale Goes to Charity, Same-Day Purchase, A+ rating with BBB. Brokers/Realtors welcome; will pay commission.2.
$175

2.5 Acres of Peace and Tranquility (TX21135)

0 Street Name, El Paso, Texas 79928
2.50Acres
We finance! No Credit Check, Great Guarantees, Portion of Sale Goes to Charity, Same-Day Purchase, A+ rating with BBB. Brokers/Realtors welcome; will pay commission.2.
$175

2.5 Acres of Peace and Tranquility (TX21135)

0 Street Name, El Paso, Texas 79928
$175
252 Results returned.Per Page

Owner Financing LEFT

Owner Financing LEFT

Owner Financing RIGHT

Owner Financing RIGHT

Owner Financing BOTTOM

Owner Financing BOTTOM

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.

[Total: 8   Average: 5/5]

Owner Financing RIGHT

Owner Financing RIGHT
Style Selector
Select the layout
Choose the theme
Preset colors
No Preset
Select the pattern