Seller Financing

Seller Financing covers seller financing, owner financing, wraparound mortgages, purchase-money mortgages, and installment-sale financing structures.

Use these pages when the property seller provides credit or remains financially involved in the buyer financing. It sits inside Mortgages and Real Estate Finance, so readers can move up when the broader property-finance context matters.

Use the table below to choose the narrower mortgage or real-estate finance branch before applying a term to a loan file, closing record, servicing review, investor report, appraisal, or valuation model. Move into the term page when the document, calculation, party role, lien position, or property cash flow matters.

What This Branch Covers

What to Check

• Purchase agreement, promissory note, mortgage, deed of trust, wraparound terms, and existing lien status.
• Seller credit amount, payment schedule, interest rate, maturity, default rights, and collateral position.
• Due-on-sale clause, senior lien consent, title record, insurance, and escrow arrangements.
• Effect on buyer affordability, seller risk, lien priority, tax timing, and enforceability.
• Jurisdiction-specific legal and disclosure requirements.

Common Mistakes

• Assuming seller financing avoids lender or title risk.
• Ignoring existing mortgage restrictions and due-on-sale clauses.
• Comparing seller financing without default, lien, and tax context.
• Treating wraparound and purchase-money structures as identical.

Seller-financing content is educational and does not provide legal, tax, lending, title, or transaction advice.

In this section

Choose a subsection first. Deeper term pages live inside each subsection, which keeps large topic hubs readable.