Frequently Asked Questions (FAQ)
General Questions
What is HomesWithOwnerFinancing.com
We are a nationwide listing platform that helps connect buyers and sellers of owner-financed homes and land contract properties. We provide property listings, educational resources, and tools to help buyers explore alternative home-buying options. We are not a real estate broker, lender, or financial institution.
What is an owner-financed home?
An owner-financed home is a property where the seller offers financing directly to the buyer instead of using a traditional bank or mortgage lender. The buyer makes payments to the seller under agreed-upon terms.
What is a land contract?
A land contract (also called a contract for deed) is an agreement where the buyer makes payments directly to the seller while the seller retains legal title until the contract terms are fulfilled. Land contracts are governed by state laws, which vary significantly.
Is owner financing legal?
Yes — owner financing and land contracts are legal in many U.S. states, but rules vary by state. Buyers and sellers should consult a qualified real estate attorney or title company before entering into any agreement.
Why does each state show a different number of listings? How often are listings updated?
The number of owner-financed homes available varies by state, city, and seller activity, so not all states will have the same number of listings at any given time. Inventory is constantly changing as new properties are added and others are removed once sold or withdrawn. Check back often to see what’s new!
To protect buyers and reduce scams or outdated information, listings are reviewed and verified before being published, then monitored daily and refreshed weekly. Properties that appear inactive, misleading, or no longer available are removed to keep the listings as accurate and current as possible.
Because owner-financed homes are often sold quickly and directly between buyers and sellers, availability can change frequently — checking back regularly ensures you’re seeing the most up-to-date opportunities.
Can I access listings by state only and not be region?
No — verified listings are only bundled under a region or nationwide. Select your region: Northeast, Midwest, Southeast, Southwest, Western.
For Buyers
Do I need good credit to buy an owner-financed home?
Credit requirements are determined entirely by the seller. Many sellers are open to working with buyers who may not qualify for traditional mortgages due to bad credit or self-employment, but terms vary by property.
How do I contact a seller?
Once you have access to listings, you can view seller contact information directly on the property page and reach out to the seller to discuss terms. We do not negotiate on behalf of buyers or sellers.
Do you approve buyers or applications?
No. We do not approve buyers, process applications, or make lending decisions. All buyer qualification and approval decisions are made directly by the property owner.
Do you guarantee listings or transactions?
No. We do not guarantee property availability, financing approval, or transaction outcomes. Buyers are responsible for conducting their own due diligence.
Should I use an attorney or title company?
Yes. We strongly recommend using a licensed real estate attorney and/or title company to review contracts and handle closing to ensure compliance with local laws.
I didn’t find the home I’m looking for, am I able to get a refund?
The number of owner-financed homes available varies by state, city, and seller activity, so not all states will have the same number of listings at any given time. Inventory is constantly changing as new properties are added and others are removed once sold or withdrawn. Because owner-financed homes are often sold quickly and directly between buyers and sellers, availability can change frequently — checking back regularly ensures you’re seeing the most up-to-date opportunities. Refunds are not issued for:
Dissatisfaction with individual listings or seller terms
Lack of response from property owners
Changes in listing availability after purchase
Failure to read listing details or access instructions
Forgetting to cancel a recurring subscription
To protect buyers and reduce scams or outdated information, listings are reviewed and verified before being published, then monitored daily and refreshed weekly. Properties that appear inactive, misleading, or no longer available are removed to keep the listings as accurate and current as possible. If inventory is very scarce in your area, click here, and we may be able to extend a free month.
For Sellers
Who can list a property on this website?
Property owners or authorized representatives may submit listings for properties offering owner financing or land contract terms.
Do I have to offer owner financing?
Yes. This platform is specifically designed for properties offering owner financing, seller financing, or land contract terms.
Do you set pricing or financing terms?
No. Sellers set their own prices, down payments, interest rates, and payment terms. We do not provide pricing guidance or financial advice.
Do you charge commissions?
No. We do not charge real estate commissions. Listing fees are for exposure only.
Do you help close deals or collect payments?
No. All communication, negotiation, contract execution, and payment handling are done directly between buyer and seller or through their chosen legal professionals.
Fees & Access
Why do buyers pay for listing access?
We offer centralized access to owner-financed and land contract listings that are otherwise scattered across the internet or not even seen at all. The access fee supports platform maintenance, listing verification efforts, and educational resources.
Why does each state show a different number of listings? How often are listings updated?
The number of owner-financed homes available varies by state, city, and seller activity, so not all states will have the same number of listings at any given time. Inventory is constantly changing as new properties are added and others are removed once sold or withdrawn. Check back often to see what’s new!
To protect buyers and reduce scams or outdated information, listings are reviewed and verified before being published, then monitored daily and refreshed weekly. Properties that appear inactive, misleading, or no longer available are removed to keep the listings as accurate and current as possible.
Because owner-financed homes are often sold quickly and directly between buyers and sellers, availability can change frequently — checking back regularly ensures you’re seeing the most up-to-date opportunities.
Do you charge application fees?
No. We do not charge application fees or process buyer applications.
Are refunds available?
Subscription purchases are non-refundable. Monthly subscriptions can be canceled at any time. Please review the current terms before subscribing or purchasing access. Should a chargeback be initiated after a subscription is purchased to retrieve contact information, property owners will be notified. If inventory is very scarce in your area, click here, and we may be able to extend a free month.
Legal & Compliance
Are you a real estate broker or lender?
No. We are not a real estate broker, mortgage lender, financial institution, or legal service provider. We operate solely as a property listing platform.
Do you verify listings?
We take reasonable steps to reduce spam and fraudulent submissions, but we do not independently verify ownership, property condition, or legal compliance. Users should always perform their own due diligence.
Is this platform available in all states?
Listings may be available nationwide, but owner financing laws vary by state. Not all transaction structures are permitted everywhere.
How do I report a suspicious or outdated listing?
You can report a listing using the contact form on the website. We review all reports and may remove listings that violate our terms.
Getting Started
How do I list my property?
Visit the List Your Property page and complete the submission form. Once approved, your listing will be visible to buyers searching by state.
How do I find listings in my state?
Visit the listings page and select your state to view available owner-financed and land contract properties.
Who do I contact for support?
You can reach us through the website contact form for general platform questions. We cannot provide legal, financial, or real estate advice.
Disclaimer
This website provides listing services only. We do not act as a real estate broker, lender, attorney, or escrow agent. Buyers and sellers are solely responsible for compliance with all applicable laws and for engaging qualified professionals when completing transactions.