Seller Financing

Seller financing is when the seller of a property acts like the bank and gives the buyer a loan to purchase the home—instead of the buyer getting a mortgage from a traditional lender.

How it works:

The buyer and seller agree on terms: down payment, interest rate, monthly payment, and loan duration.
The buyer makes payments directly to the seller.
The seller keeps the title until the loan is paid off (in most cases).
A promissory note and mortgage or deed of trust are usually signed to protect both parties.

Why would someone do this?
✅ The buyer might not qualify for a traditional mortgage
✅ The seller can earn interest and sell faster
✅ It allows for more flexible terms for both parties

Common in:
High-interest rate environments
Situations where buyers are self-employed or credit-challenged
Off-market or investor deals

Seller financing isn't for everyone—but when it fits, it opens doors. Message me to find out if it's a smart move for your next deal.

Christel Renaud | Christel Miami Luxury Living

954-799-3378 | [email protected]