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Owner financing & Lease/Purchase

Owner financing

Typical owner will require around 20% down payment and interest rate in the 8% range. Payments are amortized over 30 years, however since the owner s do not wish to be your “bank” they will require you to re-finance in 2-3 years (all terms are negotiable and there are some owners that are willing to finance for longer term like 10 years). You will be able to refinance your home before your term ends with NO penalties to lower your interest rate and monthly payment. Closing can take place in as little as about 1.5 weeks or within 30 days depending on how soon you need to move. Call me today to find out more and receive a list of all owner financed homes that match your search criteria!

Lease/purchase

With this option you will rent your home until you are ready to buy it. In most cases you can get in it for as little as first month rent plus equal deposit. If you are working on your credit or pre-approval qualification requirements and need to move immediately or wish not to move anymore after finding your next home this option may be something you should consider. In case you decide not to exercise your right to purchase you can treat this contract as your rental and move on to your next home at the end of lease term. You could move in as soon as 2-3 days or within 30 days depending on a home and your preferred time frame.

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