Skip to content
SellerFinanced

Homes, land and businesses with owner financing

Buy property from owners who will finance it

Every listing shows the terms the seller accepts, so you know what you would pay each month before you ask.

  • The down payment, rate and term are on every listing
  • Search by the cash and monthly payment you have
  • Talk to the owner and send offers here

What can you afford?

See only the listings with at least one set of terms that fits.

Or browse every listing

Browse by type

Owners finance more than houses. Land and small businesses are some of the most common.

Featured listings

Sellers can feature a listing to show it first.

See all listings

Newest listings

See all listings

Work out a payment

Try a price, a down payment and a rate. Seller financed loans often run on a 15 to 30 year schedule with a balloon after a few years, so you can set both.

When the number looks right, jump to the listings that have an option at or under it.

How balloon payments work

Payment calculator

Down payment20% ($60,000)
Paid off over30 years

Monthly payment

$2,088/mo

Down payment
$60,000
Amount financed
$240,000
Balloon due in year 7The balance left after the monthly payments
$226,987
Total interestOver 7 years, until the balloon is paid
$162,379
  • Down payment $60,000
  • Principal $240,000
  • Interest $162,379
See listings near this payment

An estimate for comparing terms. Taxes, insurance and any fees are not included.

How a deal goes here

From the first search to terms on paper, without a bank in the middle.

  1. 1. Search by what you can pay

    Enter your down payment and the monthly payment you can manage. You see the listings with at least one set of terms that fits.

  2. 2. Ask the owner

    Message the seller about the listing. The first message costs 10 credits; replies are free.

  3. 3. Send an offer

    Propose a price, down payment, rate and term for 10 credits. You both see a deal score and can counter until one of you accepts.

  4. 4. Get a letter of intent

    An accepted offer gives you both a PDF of the agreed terms to take to an attorney or title company.

For owners

Sell on your terms, and get paid every month

Add your property, set the terms you would accept, and publish. Buyers who can meet them find you by their budget.

Publishing costs 4 credits. New accounts start with 20 credits.

List a propertyRead the seller guide

  • Down payment

    How much cash you want at closing. More down means more cushion for you.

  • Interest rate

    We suggest one from today's bank rate for each option. Change any of them.

  • Term

    How many years of payments, and when any balloon is due.

Questions people ask first

Short answers here. The FAQ covers buying, selling, costs and how this site works.

Read all the questions
How does seller financing work?

The buyer makes a down payment at closing and signs a promissory note for the rest of the price. The note sets the rate, the monthly payment, the term and any balloon payment, and a deed of trust or mortgage secures it against the property. The full explanation is on what is seller financing.

Is this site free?

Browsing is free. Some actions cost credits: publishing a listing costs 4, the first message to a seller costs 10, and sending an offer costs 10. Replies, counters and accepting are free. New accounts start with 20 credits, and more cost $0.50 each.

Does this site verify listings or terms?

No. Owners write their own listings, and the terms of any deal are negotiated between buyer and seller. Do your own due diligence before you pay anything. The guide for buyers has a checklist.

How much of a down payment will I need?

It is up to the owner. Down payments of 10 to 30 percent are typical, and rates are usually a point or two above bank rates.