Ferndale, Sudden Valley and Bellingham Washington real estate listings, home buying, selling and relocation information

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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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Q	What is the most populous state in the United States?
A	California, with 35.9 million people.
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Nancy Braam, REALTOR®, real estate agent and broker forBellingham, Ferndale and Sudden Valley Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Nancy Braam
RE/MAX Whatcom County
913 Lakeway Drive
Bellingham, WA. 98229
800-723-1313 x 3026
360-303-7785
360-647-1313
Fax: 360-671-8022
Email: info@nancybraam.com
Nancy has been a full time Realtor for 20 years. During that time she has been awarded top salesperson awards for her office, for Whatcom County and the RE/MAX top ten in the Northwest Region. Her background is in all phases of residential real estate, from land development to new construction and re-sale homes. A fifth generation Bellingham resident, Nancy has personally moved over 30 times. She understands the problems and satisfaction related to property ownership and transfer as both a buyer and a seller. Nancy is known for her creativity in marketing and her tenacity in complicated real estate transactions. In order to constantly upgrade the level of service she provides to her clients, Nancy is committed to actively increasing her knowledge and skills in all areas of real estate sales and marketing.

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