Piqua, Troy and Tipp City real estate and homes for sale in Ohio - Cyndie Scott, REALTOR® Cyndie Scott REALTOR(r) for Piqua, Troy and Tipp City, Ohio real estate - NUMBER1EXPERT™ Cyndie Scott NUMBER1EXPERT(tm) for Piqua, Troy and Tipp City, Ohio real estate
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Cyndie Scott, REALTORŪ, real estate agent and broker for Piqua, Troy and Tipp City Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me at 937-371-1719.

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Real Estate Tips
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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Real Estate Trivia
Q 
Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?

A 
Lender in these states must pay interest on funds held in escrow accounts.
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Cyndie Scott, REALTORŪ, real estate agent and broker for Piqua, Troy and Tipp City Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)

Cyndie Scott, Broker/Owner
Cyndie Scott & Associates

Phone: 937-371-1719
Fax: 937-535-0687
Email: cyndie@cyndiescott.com

I want to be your realtor for life. I will give you outstanding service and excellent care in every real estate transaction.

Equal Housing MLS REALTOR


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