Seller financing, also known as owner financing, owner carry, or dueño a dueño (owner to owner), is when the property seller finances the purchase directly for the buyer instead of requiring the buyer to obtain a traditional bank loan. Buyers typically make a down payment and monthly payments according to agreed-upon terms

For Sale By Owner (FSBO) means the property owner sells the property directly without using a real estate agent. Owner financing refers to how the buyer pays for the property. A property can be FSBO, owner-financed, both, or neither.

Not necessarily! Seller financing may offer more flexible qualification requirements than traditional bank financing. Down payments and terms vary by property and buyer, and a larger down payment may allow for different interest rates, monthly payments, or financing options. Contact us to discuss your situation and explore what may work for you.

In many arrangements, the buyer receives the deed at closing while the seller retains a lien securing payment. Review the closing documents carefully to understand when ownership transfers.

Yes, closing costs still apply. These can include title and escrow services, recording fees, surveys, and other transaction expenses. Confirm which costs the buyer and seller are responsible for paying. These can be negotiated before going under contract.

A bank loan is generally not required when the seller provides the financing. A real estate agent is not always necessary for a direct sale, but buyers may choose to work with a real estate professional, title company, or qualified Texas real estate attorney to help ensure the transaction is handled properly.

Browse our available properties and contact us to discuss your goals, budget, down payment, and preferred monthly payment. We offer creative financing options and work with buyers to explore solutions that may make deals possible when traditional financing or standard terms don't work.