Owner Financing Homes, Land & Commercial in California
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 California — new listings are added as sellers join.
No owner financed homes, land, and commercial properties in California yet
We're building California inventory now. If you own property in California you'd sell on terms, listing is free.
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Tell us what you want and we'll reach out when owner financed homes, land, and commercial properties come onto the marketplace in California. It also tells us where to open next.
Under a minute — no account needed
~$400/mo$34,000Cash $34kOwner Financing · $400 down
40.19 Acers 8 mins from a Reservoir
Rye Patch Road — APN 003-700-09, Lovelock, NV
Down$400Rate0%Term7 yr
~$450/mo$38,250Owner Financing · $450 down
20 Acres Next to BLM Land Near Montello — $450 Down
Gamble District — APN 010-35H-046, Montello, NV
Down$450Rate0%Term7 yr
~$450/mo$38,250Owner Financing · $450 down
Camp more, worry less! Pitch a tent on 20 acres in the NV Mountains.
Montello, NV
Down$450RateOn inquiryTerm7 yr
~$300/mo$21,900Owner Financing · $300 down
10-Acre Lot in Montello, NV — Owner Financing
Gamble District — APN 010-37E-026, Montello, NV
Down$300Rate0%Term6 yr
~$300/mo$21,900Owner Financing · $300 down
10 Acres in NV | Off-Grid Land Next to BLM
Montello, NV
Down$300RateOn inquiryTerm6 yr
~$550/mo$46,750Owner Financing · $550 down
40 Acres Beside BLM—Your Private Escape
Montello, NV
Down$550RateOn inquiryTerm7 yr
~$400/mo$29,200Owner Financing · $400 down
4.81-Acre Lot in Cotopaxi, CO — Owner Financing
Cotopaxi, CO
Down$400RateOn inquiryTerm6 yr
~$1,421/mo$119,000Owner Financing · $11.9k down · 4 bd · 2 ba · 1,188 sqft
4 Bed, 2 Bath Home in El Reno, OK — Owner Financing
145 North L Avenue, El Reno, OK
Down$11.9kRateOn inquiry
~$4,785/mo$419,000Owner Financing · $40k down · 3,949 sqft
Flexspace Warehouse
3600 Valley Park Dr, El Reno, OK
Down$40kRateOn inquiryTerm20 yr
~$6,501/mo$640,000Owner Financing · $50k down · 5 bd · 3 ba · 3,488 sqft
Owner Finance-13120 Knight Island Drive Oklahoma City, OK
13120 Knight Island Drive, Oklahoma City, OK
Down$50kRateOn inquiry
~$1,700/mo$185,000Owner Financing · $10k down · 3 bd · 1 ba
Home in Bethany
6910 Northwest 53rd Street, Bethany, OK
Down$10kRateOn inquiry
~$3,000/mo$345,000Owner Financing · $20k down · 5 bd · 3 ba · 2,997 sqft
7513 Clayton DR
7513 Clayton Drive, Oklahoma City, OK
Down$20kRateOn inquiry
~$1,950/mo$195,000Owner Financing · $10k down · 3 bd · 2.5 ba · 1,474 sqft
9769 Hefner Village Blvd
9769 Hefner Village Boulevard, Oklahoma City, OK
Down$10kRateOn inquiry
~$1,500/mo$150,000Owner Financing · $8k down · 3 bd · 1 ba
3/1 Home in Oklahoma City, OK — Owner Financing
1433 Northwest 95th Street, Oklahoma City, OK
Down$8kRateOn inquiryTerm30 yr
~$1,700/mo$170,000Owner Financing · $10k down · 3 bd · 1 ba
Home in Oklahoma City
3217 Southwest 40th Street, Oklahoma City, OK
Down$10kRateOn inquiry
~$3,000/mo$330,000Owner Financing · $30k down · 4 bd · 3 ba
Home in Oklahoma City
2128 Northwest 25th Street, Oklahoma City, OK
Down$30kRateOn inquiry
~$1,250/mo$140,000Owner Financing · $7.5k down · 2 bd · 1 ba · 612 sqft
910 NW 99th ST
910 Northwest 99th Street, Oklahoma City, OK
Down$7.5kRateOn inquiry
~$1,730/mo$175,000Owner Financing · $10k down · 3 bd · 1 ba
Home in Oklahoma City
3025 Southwest 71st Street, Oklahoma City, OK
Down$10kRateOn inquiry
~$2,800/mo$290,000Owner Financing · $25k down · 3 bd · 2 ba
3/2 Home in Oklahoma City, OK — Owner Financing
3128 Southwest 100th Place, Oklahoma City, OK
Down$25kRateOn inquiryTerm30 yr
~$2,351/mo$215,000Owner Financing · $10k down · 4 bd · 2 ba · 1,807 sqft
4 Bed, 2 Bath Home in Oklahoma City, OK — Owner Financing
1616 Southwest 62nd Street, 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
~$296/mo$29,900Owner Financing · $3.0k down
3 Acres (Tract 10) - No Restrictions - 20 minutes south of Blanchard
E 1450 Rd, Lindsay, OK
Down$3.0kRateOn 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
~$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
How owner financing works in California
Owner financing lets a buyer purchase a property in California 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.
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 California review a creative-finance contract before signing.
Owner Financing by city in California
Other ways to buy in California
Owner Financing by state
Owner Financing in California: FAQ
- How do I find owner financed homes, land, and commercial properties in California?
- Search California on The Creative Marketplace — every listing shows the seller's terms up front, and you contact the seller directly. New California listings post regularly, so check back or save a search.
- Is owner financing legal in California?
- The rules for owner financing differ from state to state and deal to deal, and The Creative Marketplace doesn't give legal advice. Review the laws where the property sits and have a local real estate attorney or title company review the contract before you sign.
- How much down payment do I need for owner financing in California?
- It's negotiable — that flexibility is the whole point of owner financing. Down payments commonly range from roughly 5% to 20% or more depending on the seller and the property. You'll see each seller's asking down payment right on the listing.
- Do I need good credit to buy with owner financing in California?
- Often not. Because you work directly with the seller instead of a bank, owner financing deals in California are usually more flexible on credit than a traditional mortgage — though every seller sets their own terms.