Owner Financing Homes, Land & Commercial in Birmingham, AL
Buy directly from the owner and pay them over time instead of qualifying for a new bank loan — the seller sets the down payment, the monthly, and the term.
Be the first to find owner financing deals in Birmingham — new listings are added as sellers join.
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Tell us what you want and we'll reach out when owner financed homes, land, and commercial properties that fit come onto the marketplace in Birmingham.
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~$1,300/mo$215,000Cash $190kOther Creative Options · $30k down · 2 bd · 2.5 ba · 1,200 sqft
Smyrna Townhouse
1325 Poplar Point, Smyrna, GA
Down$30kRate4%TermNegotiable
~$260/mo$15,540Cash $12kOwner Financing · $200 down
Your Florida Land Opportunity
Dunnellon, FL
Down$200RateOn inquiryTerm59 yr
~$179/mo$8,499Cash $8.5kOwner Financing · $428 down
0.22-Acre Lot in Interlachen, FL — Seller Financing
w29 Interlachen Boulevard, Interlachen, FL
Down$428RateOn inquiryTermNegotiable
~$6,500/mo$650,000Owner Financing · $100k down
Land in Henryetta, OK
18699 Grayson Boulevard, Henryetta, OK
Down$100kRateOn inquiry
~$2,500/mo$275,000Owner Financing · $27.5k down · 3 bd · 2 ba · 1,989 sqft
15218 White Moss DR, New Caney Tx 77357
15218 White Moss Drive, New Caney, TX
Down$27.5kRateOn inquiryTermNegotiable
~$8,096/mo$830,000Owner Financing · $75k down · 4 bd · 4.5 ba · 3,785 sqft
Owner Finance-12381 Lakeview Rd Sperry, OK 74073
12381 Lakeview Road, Sperry, OK
Down$75kRateOn inquiry
~$2,200/mo$210,000Owner Financing · $10k down · 3 bd · 2 ba
Home in Prague, OK
101869 S 3570th Rd, Prague, OK 74864, Prague, OK
Down$10kRateOn inquiry
~$665/mo$66,410Owner Financing · $6k down
6.9 Acres - Tecumseh, OK - Wooded
Lot 30 & 31 Brandy Lane, Tecumseh, OK
Down$6kRateOn inquiry
Pending backups~$1,002/mo$97,035Owner Financing · $6k down
12.94 Acres - Noble, OK
Tract 10 - Rolling Oaks Estates, Noble, OK
Down$6kRateOn inquiry
Pending backups~$1,052/mo$101,585Owner Financing · $6k down
9.24 Acres - Noble, OK
Tract 20 - Rolling Oaks Estates, Noble, OK
Down$6kRateOn inquiry
~$564/mo$56,980Owner Financing · $5.7k down
4.95-Acre Lot - Noble, Oklahoma
Tract 26 - Rolling Oaks Estates, Noble, OK
Down$5.7kRateOn inquiry
~$1,783/mo$179,900Owner Financing · $17.9k down
15 Acres - Harrah - Tract 2
Martin Road, Harrah, OK
Down$17.9kRateOn inquiry
~$1,783/mo$179,900Owner Financing · $17.9k down
15 Acres - Harrah - Tract 1
Martin Road, Harrah, OK
Down$17.9kRateOn inquiry
~$798/mo$89,000Owner Financing · $8k down
Land available in North Luther near Waterloo Rd.
13000 Antelope Road, Luther, OK
Down$8kRateOn inquiry
~$798/mo$89,000Owner Financing · $8k down
Land available in North Luther near Waterloo Rd. (copy)
13000 Antelope Road, Luther, OK
Down$8kRateOn inquiry
~$1,394/mo$130,000Owner Financing · $10k down · 3 bd · 1 ba · 987 sqft
Owner Finance-3601 Parkwoods Ln Midwest City, OK 73110
3601 Parkwoods Lane, Midwest City, OK
Down$10kRateOn inquiry
~$1,500/mo$150,000Owner Financing · $5k down · 2 bd · 1 ba · 832 sqft
Home in Midwest City, OK
515 East Ercoupe Drive, Midwest City, OK
Down$5kRateOn inquiry
~$1,825/mo$160,000Owner Financing · $10k down · 3 bd · 2 ba · 1,389 sqft
Owner Finance-3113 Mockingbird Ln, Midwest City, OK 73110
3113 Mockingbird Lane, Midwest City, OK
Down$10kRateOn inquiry
~$1,496/mo$140,000Owner Financing · $10k down · 3 bd · 1 ba · 1,115 sqft
Owner Finance-4773 SE 28th St. Del City, OK 73115
4773 Southeast 28th Street, Del City, OK
Down$10kRateOn inquiry
Pending backups~$2,079/mo$215,000Owner Financing · $21.5k down
12.58 Acres Near the Lazy E Arena
4050 E Camp Drive, Guthrie, OK
Down$21.5kRateOn inquiryTerm15 yr
Pending backups~$1,664/mo$172,000Owner Financing · $17.2k down
9.7 Acres Near the Lazy E Arena
4050 East Camp Drive, Guthrie, OK
Down$17.2kRateOn inquiryTerm15 yr
~$2,200/mo$220,000Owner Financing · $10k down · 3 bd · 2.5 ba
Home in Moore, OK
700 Butler Street, Moore, OK
Down$10kRateOn inquiry
~$1,700/mo$185,000Owner Financing · $10k down · 3 bd · 1 ba · 953 sqft
Home in Oklahoma City, OK
6606 South Mckinley Avenue, Oklahoma City, OK
Down$10kRateOn inquiry
~$3,750/mo$410,000Owner Financing · $25k down · 3 bd · 3 ba
Home in Oklahoma City
617 Northwest 22nd Street, Oklahoma City, OK
Down$25kRateOn inquiry
Buying with owner financing in Birmingham
Owner financing lets a buyer purchase a property in Birmingham without a traditional bank mortgage. Buy directly from the owner and pay them over time instead of qualifying for a new bank loan — the seller sets the down payment, the monthly, and the term. For buyers who can't — or don't want to — go conventional, it's often the fastest path to owning real estate in Alabama.
On The Creative Marketplace you see the seller's terms up front — down payment, monthly payment, and terms — and contact the seller directly. We're a marketplace, not a lender or broker; always have a title company or attorney in Alabama review a creative-finance contract before signing.