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Linda Hoffmann, REALTOR®, real estate agent and broker for Evanston Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)






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Real Estate Tips
Financing Your Home >Owner Financing

If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.

Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.

Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.

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Real Estate Trivia
Q 
What area in the U.S. is known for its pre-civil war mansions?

A 
Natchez, Mississippi boasts over 500 pre-civil war-style mansions; many are open to the public as museums.
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Linda Hoffmann, REALTOR®, real estate agent and broker for Evanston Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Linda Hoffmann Realtor Associate
C21 Sussex & Reilly

4762 N. Lincoln Ave
Chicago, IL 60625
Office/Pager: 773-506-4142
Fax: 847-556-6579
Email: Linda@LindaEvanston.com

Linda combines experience, technology, and individuality to create a truly innovative approach to her profession. Buyers and sellers love working with Linda because she is always available, either by phone or by e-mail. Her diverse background and personality helps to serve a wider scope of clientele. In a nutshell, Linda loves using technology to make real estate more fun and efficient.

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