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What is seller financing?

Seller financing is an arrangement between a homebuyer and a seller. Also known as owner financing or purchase-money mortgages, a buyer purchases a property in installments until it is paid off in full. These installments generally include principal and interest.

Seller financing avoids the need to work through a bank.  Instead of applying for a conventional bank mortgage, buyers sign a mortgage with the seller. Seller financing can be beneficial to both buyers and sellers for the following reasons:
  • Transactions move quicker than traditional mortgage transactions.
  • Less paperwork than a traditional mortgage.
  • Payments that can be modified to fit your budget.

Simply put, with seller financing the current homeowner puts up part of the money required to buy a property as a down payment and makes monthly payments.

Benefits that come with seller financing

Seller financing can be quicker and cheaper than customarily buying a home. For buyers with limited or poor credit or a short window to purchase a home, seller financing is the ideal way to circumvent conventional financing.
  • Credit flexibility. Buyers with less than perfect credit can still get approved
  • Flexible down payment. Down payments are from 10% to 20% down.
  • Close quickly. With a 30-45 day window for closing, you can have faster possession of your home.
  • Lower closing costs. Bypassing an institutional lender means that you’ll save time and money.                    

Do you qualify for seller financing?

Edgar Garfield Thomas Investments is proud to offer seller financing to individuals who meet the below criteria. If you’d like to discuss your qualifications with us, please contact us at or by calling us at (469) 297-8972. We are available between 9:00 am to 5:00 pm CST.
  • Employed at the same company for two (2) years
  • Good-standing rental history
  • 10% - 20% down payment

Contact us today to inquire about seller financing!

Associates at Edgar Garfield Thomas Investments are standing by to help you purchase your dream home or investment property. Contact us at or by calling us at (469) 297-8972. We are available between 9:00 am to 5:00 pm CST.