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You are here: Home / Archives for owner financing

January 18, 2018 By Kenneth Younger

What are LTV and ITV?

What are LTV and ITV?

Knowing the value of things is important---and real estate and mortgage notes are no different. Whether you are exploring offering seller financing or looking into selling a note, understanding the value what you are providing or own is paramount. Not only for your financial safety but for reselling down the road as well. What is LTV? Loan to Value, or LTV, is an indicator of potential … [Read more...]

Filed Under: Seller Financing Tips Tagged With: ITV, LTV, note buyers, owner financing, seller financing, seller financing tips

July 19, 2016 By Kenneth Younger

5 Reasons Owners Offer Seller Financing

Why would a seller allow a buyer to make payments over time for the purchase of property? Wouldn't the seller rather get paid now and require the buyer to obtain a bank loan? Here are 5 reasons property owners offer seller financing: 1. Reduced Marketing Times What is the first thing a real estate agent does when property is not moving and has been on the market for 60 to 90 days? They reduce the … [Read more...]

Filed Under: Seller Financing Tips Tagged With: owner financing, private mortgage notes, seller financing, seller financing tips

July 19, 2016 By Kenneth Younger

Avoid Three Seller Financing Mistakes

Avoid Three Seller Financing Mistakes

Would you rather have $97,000 to sell your $100,000 note or only $80,000? The difference in usually comes down to the big three. Here’s the three biggest mistakes note sellers make and how to avoid flushing money down the drain. Mistake #1 -- Failing to Check Credit The payer's credit report lets you know how timely they have paid bills in the past. This is a good indicator of how they will pay … [Read more...]

Filed Under: Seller Financing Tips Tagged With: owner financing, seller financing, seller financing mistakes, seller financing tips

July 18, 2016 By Kenneth Younger

Seller Financing – How Much Can The Buyer Afford?

Seller Financing - How Much Can the Buyer Afford

Many sellers accept owner financing without any idea of how much the buyer can actually afford to pay. The last thing a seller wants is to stress over receiving monthly payments or worse, getting the property back through foreclosure. 3 Ways to Calculate Payment Affordability Before Accepting Seller Financing The amount a buyer can afford to spend on a house depends on their income, overall debt, … [Read more...]

Filed Under: Seller Financing Tips Tagged With: mortgage note payments, owner financing, seller financing, seller financing tips

July 18, 2016 By Kenneth Younger

What is Seller Financing?

What is Seller Financing

When a seller allows a buyer to make payments over time for the purchase of property, it is known as owner financing or seller financing. This private financing by the seller can take the place of a bank loan or be in addition to a conventional mortgage. The payment amount, interest rate, and other terms are agreed upon between the buyer and seller. The amount financed by the seller will depend … [Read more...]

Filed Under: Seller Financing Tips Tagged With: owner financing, private mortgage note, sell mortgage notes, seller carry back, seller financing

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Recent Posts

  • Options When A Note Starts To Go Into Default
  • What is Note Seasoning?
  • What are LTV and ITV?
  • What are ‘Face Rates’ and ‘Discounts’ On Notes?
  • Partnering with Financial Professionals in the Note Business

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