Seller Financing Homes & Land for Sale
The seller carries the note instead of a bank — you close directly with them on agreed terms. The industry term for owner-financed deals, documented with a promissory note and deed.
Latest seller financed homes and land
~$2,427/mo$310,000Owner Financing · $15k down · 3 bd · 3 ba · 1,993 sqft
Des Moines 3-Unit | $15K Proposed Down | Seller Financing
686 34th Street, Des Moines, IA
Down$15kRate9.25%Term30 yr
~$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
~$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
~$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
~$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
~$1,485/mo$150,000Owner Financing · $7.5k down · 3 bd · 1 ba · 840 sqft
Owner Finance-5000 S Land Ave. Oklahoma City, OK 73119
5000 South Land Avenue, Oklahoma City, OK
Down$7.5kRateOn 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
~$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
~$2,392/mo$225,000Owner Financing · $10k down · 3 bd · 2 ba · 1,200 sqft
Owner Finance-1904 NW 7th, Oklahoma City, OKC 73106
1904 Northwest 7th Street, Oklahoma City, OK
Down$10kRateOn inquiry
~$1,870/mo$175,000Owner Financing · $15k down · 3 bd · 1 ba · 1,130 sqft
Owner Finance-12 NE 66th St. Oklahoma City, OK 73105
12 Northeast 66th Street, Oklahoma City, OK
Down$15kRateOn inquiry
~$1,500/mo$150,000Owner Financing · $7.5k down · 2 bd · 1 ba · 832 sqft
Home in Midwest City, OK
515 East Ercoupe Drive, Midwest City, OK
Down$7.5kRateOn inquiry
What is seller financing?
Seller financing is the transaction-side name for the same structure buyers call owner financing: the seller extends credit for the purchase, you sign a promissory note for the balance, and a mortgage or deed of trust is recorded against the property to secure it. Title typically transfers to you at closing — the seller becomes your lender, not your landlord.
The mechanics are what make it powerful. Because there's no bank underwriting the deal, the two parties set the terms: the down payment, the rate, the amortization, and whether there's a balloon. Closings routinely happen in days. Properties conventional lenders avoid — rural land, unique homes, small commercial — trade smoothly on seller-financed terms every day.
For sellers, carrying a note can mean a faster sale, a stronger price, and interest income on their equity instead of a single lump sum. For buyers, it's access: the deal is judged by a person weighing your down payment and your plan, not a formula. That's why seller-financed notes are a multi-billion-dollar market in the U.S. every year.
Each seller-financed listing here publishes its terms up front — price, down, monthly, and the financing type — so you can compare deals side by side before contacting anyone. Before you sign, run title through a title company, get the note and security instrument reviewed by an attorney, and confirm exactly when the deed transfers. Good paper makes good deals.
Seller Financing by state
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Seller Financing — frequently asked questions
- What is seller financing in real estate?
- A sale where the seller extends the credit instead of a bank: you sign a promissory note to the seller for the balance and a mortgage or deed of trust secures it against the property. You make payments directly to the seller. It's the same structure commonly called owner financing.
- Who holds the deed in a seller-financed sale?
- In the standard structure, you do — the deed transfers at closing and the seller records a lien, exactly like a bank would. The exception is a contract for deed, where the seller keeps legal title until the balance is paid. Which one you're signing matters; read the documents and have an attorney confirm.
- Why would a seller offer financing?
- A wider buyer pool, often a stronger sales price, monthly interest income on their equity, and a faster close with no lender in the middle. On hard-to-finance property — land especially — offering terms is frequently the difference between selling and sitting.
- What are typical seller financing terms?
- Down payments commonly run 5%–20%, rates usually sit a point or two above prevailing mortgage rates, and many notes amortize long (25–30 years) with a balloon due in 3–7 years. Everything is negotiable — the listings on this page show each seller's actual asking terms. One caution: state and federal rules may apply to balloon payments and to how the loan is arranged, especially on a home the buyer will live in — have a local real estate attorney or licensed mortgage loan originator review the terms.