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Corner View Lot 3 Miles NE of Douglas, AZ

E. El Fuego Cir, Douglas, Arizona 85607

11Picture(s)
0.23Acres
***See all of our listings by visiting us at governmentlandsales.us***Corner lot in Cochise College Park Unit 9, which is located approximately three miles northeast of Douglas, Arizona off E HWY 80. This subdivision is adjacent to the Douglas Municipal Golf Course. This is a nice level parcel with great views.DouglasLocated in SE Arizona near the US - Mexico Border.
$1,495

Corner View Lot 3 Miles NE of Douglas, AZ

E. El Fuego Cir, Douglas, Arizona 85607
0.23Acres
***See all of our listings by visiting us at governmentlandsales.us***Corner lot in Cochise College Park Unit 9, which is located approximately three miles northeast of Douglas, Arizona off E HWY 80. This subdivision is adjacent to the Douglas Municipal Golf Course. This is a nice level parcel with great views.DouglasLocated in SE Arizona near the US - Mexico Border.
$1,495

Corner View Lot 3 Miles NE of Douglas, AZ

E. El Fuego Cir, Douglas, Arizona 85607
$1,495

5+ acre lot, Bigfork, MT

Nhn Tranquil Way, Bigfork, MT 59911, Bigfork, Montana 59911

12Picture(s)
5.59Acres
Outstanding Swan Mountain & Crane Mountain views plus some tree thinning and you will be looking right down on Swan Lake. There are several building sites to choose from. End of the road privacy. Enjoy the lifestyle Big Hawk has to offer.
$285,000

5+ acre lot, Bigfork, MT

Nhn Tranquil Way, Bigfork, MT 59911, Bigfork, Montana 59911
5.59Acres
Outstanding Swan Mountain & Crane Mountain views plus some tree thinning and you will be looking right down on Swan Lake. There are several building sites to choose from. End of the road privacy. Enjoy the lifestyle Big Hawk has to offer.
$285,000

5+ acre lot, Bigfork, MT

Nhn Tranquil Way, Bigfork, MT 59911, Bigfork, Montana 59911
$285,000

15% OFF: Kentucky, Rock Castle County, 10.35 Acres

Lot 22 Trails End, Mt Vernon, Kentucky 40456

6Picture(s)
10.35Acres
Trails EndLot 2210.35 AcresThis beautiful land offers rural living at it’s finest with just the right amount of shady trees and open pastures. It’s the perfect place to build that permanent home—either in the middle of one of the sweeping central Kentucky prairies or tucked in close to one of the many tree lines.This lot is being offered for sale with financing.
$31,000

15% OFF: Kentucky, Rock Castle County, 10.35 Acres

Lot 22 Trails End, Mt Vernon, Kentucky 40456
10.35Acres
Trails EndLot 2210.35 AcresThis beautiful land offers rural living at it’s finest with just the right amount of shady trees and open pastures. It’s the perfect place to build that permanent home—either in the middle of one of the sweeping central Kentucky prairies or tucked in close to one of the many tree lines.This lot is being offered for sale with financing.
$31,000

15% OFF: Kentucky, Rock Castle County, 10.35 Acres

Lot 22 Trails End, Mt Vernon, Kentucky 40456
$31,000

Kentucky, Casey County, 5.02 Acre

Lot 4 Laurel Ridge, liberty, Kentucky 42539

6Picture(s)
5.02Acres
Laurel RidgeLot 45.02 AcresThe unspoiled land, clean air, and mild climate make Majestic Rock Ranch a true landowner’s dream. And our no-hassle, guaranteed financing make this the perfect opportunity for you to own a small slice of the beautiful state of Kentucky.This lot is being offered for sale with financing.
$27,000

Kentucky, Casey County, 5.02 Acre

Lot 4 Laurel Ridge, liberty, Kentucky 42539
5.02Acres
Laurel RidgeLot 45.02 AcresThe unspoiled land, clean air, and mild climate make Majestic Rock Ranch a true landowner’s dream. And our no-hassle, guaranteed financing make this the perfect opportunity for you to own a small slice of the beautiful state of Kentucky.This lot is being offered for sale with financing.
$27,000

Kentucky, Casey County, 5.02 Acre

Lot 4 Laurel Ridge, liberty, Kentucky 42539
$27,000

Oklahoma, Le Flore County, 8.74 Acre

Lot 65 Tyler Stone Ranch, Wister, Oklahoma 74966

8Picture(s)
8.74Acres
Tyler Stone Ranch,Lot 658.74 AcreThis beautiful property offers various views of rollings hills and farmlands. Tyler Stone Ranch is the perfect location for anyone who enjoys being surrounded by bountiful trees, hills and ponds with the luxuary of the sounds of nature.This lot is being offered for sale with financing.
$30,000

Oklahoma, Le Flore County, 8.74 Acre

Lot 65 Tyler Stone Ranch, Wister, Oklahoma 74966
8.74Acres
Tyler Stone Ranch,Lot 658.74 AcreThis beautiful property offers various views of rollings hills and farmlands. Tyler Stone Ranch is the perfect location for anyone who enjoys being surrounded by bountiful trees, hills and ponds with the luxuary of the sounds of nature.This lot is being offered for sale with financing.
$30,000

Oklahoma, Le Flore County, 8.74 Acre

Lot 65 Tyler Stone Ranch, Wister, Oklahoma 74966
$30,000

Beautiful Lot in Secluded Community for ONLY $9,450 – Save 40%!

0 Parsonage Lane, Newton, North Carolina 28658

11Picture(s)
0.98Acres
LEAVE THE BIG CITY BEHIND for this cozy neighborhood close to Lake Norman, North Carolina. This lush lot is waiting for you to come play, relax and build some memories. Spend your money experiencing local sites and activities rather than paying annoying HOA fees.
$9,450

Beautiful Lot in Secluded Community for ONLY $9,450 – Save 40%!

0 Parsonage Lane, Newton, North Carolina 28658
0.98Acres
LEAVE THE BIG CITY BEHIND for this cozy neighborhood close to Lake Norman, North Carolina. This lush lot is waiting for you to come play, relax and build some memories. Spend your money experiencing local sites and activities rather than paying annoying HOA fees.
$9,450

Beautiful Lot in Secluded Community for ONLY $9,450 – Save 40%!

0 Parsonage Lane, Newton, North Carolina 28658
$9,450
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Owner Financing Land News 

Owner-Financing-Land

Benefits of Owner Financing for Your Land Purchase

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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