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Owner Financing - Buyer Benefits

So, what are the benefits of this arrangement? For the buyer, there are many :

Little or No Qualifying.
Even if the seller demands a credit report on the buyer, the seller's is usually less stringent and more flexible than conventional lenders.

Tailored Financing.
Unlike conventional loans, sellers and buyers can choose from a variety of payment options such as interest only, fixed-rate amortization, less-than-interest or a balloon payment. Payments can mix and match. Interest rates can adjust periodically or remain at one rate for the term of the loan. There is really no wrong or right way.

Down Payment Flexibility.
Down payments are negotiable. If a seller wants a larger down payment than the buyer possesses, sometimes sellers will let a buyer make periodic lump-sum payments toward a down payment. Flexibility is the word.

Lower Closing Costs.
Without a traditional lender, there are no loan or discount points to pay. No miscellaneous fees or processing charges are required and so the buyer saves money.

Faster Possession.
Because buyers and sellers aren't waiting on a lender to process the financing, buyers can close faster and get buyer possession earlier over a conventional loan transaction.

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