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I’m a qualified buyer, but I want lower payments. What do I do?
With interest rates creeping up every month and down payments near 3%, I am finding more and more buyers that like the houses they are finding, but don't like the payments they are being quoted from the lenders.
Thirty year fixed rate loans are nearing 6.5%, and PMI (Private Mortgage Insurance) is also going up. You, the average home buyer, may be coming out of pocket, an extra $200 every month despite having an 800 credit score. You also have to figure out where to get another 3% for closing costs!
But, what if I could show you how to buy a home with 3%-5% down, with interest rates sometimes as low as 5% APR, and you have no required PMI, saving you up to $200 a month. And if it is a larger home, it could save you even more since a jumbo loan right now is about 7.5%.
How can I do this for my buyer? It is called owner financing and anyone can do it. You just have to have a willing seller, which in today's market really isn't that hard to do. You see, the seller becomes the bank! The seller sells you the house at the price they are ... more

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