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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 are the three most common environmental toxins for which homes are tested?
A	Mold, asbestos, and lead are tested by specialized inspectors as a regular part of many real estate contracts.
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De Lynn Klosterhoff, REALTOR®, real estate agent and broker for Chesterfield, St. Louis, O'Fallon area Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

De Lynn Klosterhoff
RE/MAX Properties West
16100 Swingley Ridge Rd.
Chesterfield, MO. 63017
636-532-5900
800-949-0490
RE/MAX Office Fax: 636-532-2302
De Lynn's In-office Fax: 636-898-1327
Email: DeLynnK@DeLynnK.com
De Lynn Klosterhoff has over 25 years of real estate experience. She has been honored with the RE/MAX Hall of Fame Achievement Award, the RE/MAX Lifetime Achievement Award and was ranked #9 Individual in the RE/MAX St. Louis Region. Her designations are CRS (Certified Residential Specialist), a designation held by only 1% of all Realtors; ABR (Accredited Buyer's Representative); GRI (Graduate of the Real Estate Institute), having completed a minimum of 90 hours of course study and exams; and RECS (Real Estate Cyberspace), SRES (Seniors Real Estate Specialist). Because of her dedication to the real estate business and her clients, she is in the top 1% of all Realtors in the St. Louis area.

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