Newport Beach GREETINGS.............OrangeCounty4sale and our related community sites are dedicated to serving the Owner Seller. We assist owner sellers to maximize their exposure and offer sound advice to Owner Sellers of real estate. Many of our featured FSBO properties offer seller carry back financing. Buyers looking for seller carry financing need to exhibit patience in finding the right property with the right seller. Sellers who are willing to carry the 1st Trust Deed usually require a down payment of 20% or greater. Sellers who are willing to carry a 2nd Trust Deed typically subordinate to the 1st Trust Deed based on their down payment terms. Please seek professional counsel on ANY property listed with a local MLS service or “For Sale By Owners” that offer owner carry terms.

Owner Financing

 Buyers need to be aware that owner financing (when available) requires a “strong” down payment and complete disclosure of BOTH the seller terms and the buyer qualifications. Lease Option, AITD, Purchase Option, Rent to Own or ANY form of Seller & Owner carry should require due diligence and disclosure on the part of both Buyer & Seller.

Seller & Property terms need to be disclosed regarding “RISK” relative to both parties. Short term objectives should always be evaluated and weighed against long term risks. In many cases a Real Estate attorney would be recommended to mitigate potential issues that may surface down the road. When looking at FSBO aka "For Sale by Owner", Seller Carry, Owner Carry or any offering that indicates alternative financing one must understand the balance of benefits relative to risk. Successfully negotiating an "owner carry" or terms that allow one to become a home owner CAN be a rewarding experience for both buyer & seller.



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