South Jersey Real Estate and Installment-Sales...Perfect Together!!!

Real Estate Broker/Owner with Dennis J. Zisa & Associates, Inc. License # 8836971

This economy has not been kind to potential home

buyers across the socioeconomic spectrum, but none have

been hit harder than working class city dwellers, wishing

to quit renting and have the opportunity to own their first



The problem, however, facing many is that, even with a steady job, and a decent rental history, credit scores have suffered, dramatically. Coupled with the fact that banks and other traditional sources of mortgage financing have made their qualification standards more and more stringent,many find themselves seemingly stuck between a rock and the proverbial "hard place"!


Enter, the Seller-Financed, Installment-Sale purchase. Also

known as a "contract-for-deed", or "land contract", these

transactions are structured such that, once the buyer comes

up with the down payment, the seller accepts the balance of

his equity in monthly payments of principal and interest,

until the contract is fully satisfied.

This can occur over the term of the contract, as the debt is fully amortized, but more often than not, the buyer finds himself in a position to either sell or refinance within five to eight years. In any event, all the while the buyer proceeds to pay down the contract, he is in a position to enjoy all of the benefits  that come with traditional home-ownership, including principal reduction, equity-appreciation, and tax benefits!  





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New Jersey Camden County
land contract
creative financing
seller financing
contract for deed
south jersey real estate
installment sales

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Dennis J. Zisa & Associates, Inc.

26 years in So. Jersey and the Greater Camden area
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