Owner Financing – A Fast Way to Sell Your Warner Robins Georgia House

Most Georgia home sellers do not know how to sell their Warner Robins house with owner financing.

Are you struggling to sell your Warner Robins Georgia house? Are you tired of waiting for the right buyer to come along, or dealing with the hassle of showings and negotiations? If so, owner financing could be the solution you’ve been looking for. With owner financing, you become the bank, providing financing to buyers who may not qualify for traditional bank loans. In this article, we’ll explore how owner financing can help you sell your house fast in Warner Robins Georgia.

finance the sale of your house

Sell Your House Fast with Owner Financing

owner financed sale

Many Georgia homeowners don’t realize that only 60% of potential buyers can qualify for traditional bank financing. This means that 40% of potential buyers may be unable to purchase your home through traditional means. By offering owner financing, you open up your property to a much larger pool of potential buyers, including those who may not have perfect credit or a significant down payment.

Owner financing can also help you sell your house fast in Warner Robins Georgia. Traditional home sales can take months or even years, leaving you with a property you no longer want or need. With owner financing, you can bypass the lengthy process of waiting for bank approval, making it easier and faster to close the sale.

Owner Financing vs. Traditional Home Sales

When considering owner financing, many homeowners are concerned about the potential drawbacks. However, compared to traditional home sales, owner financing offers many benefits. For example, you can avoid the hassle of showings and negotiations, and you become the bank, providing financing and collecting payments directly from the buyer. Additionally, if the buyer defaults on the loan, you can foreclose on the property and keep any payments they’ve made up to that point.

Owner financing can also benefit buyers, particularly those who may not qualify for traditional bank loans. By offering owner financing, you can attract buyers who may be unable to purchase a home through traditional means, providing a valuable service to those who need it.

People wanting to sell their house go through the pain of cleaning the house, doing repairs, getting an agent to put the house on the  MLS with every other house seller and start looking for the new house they want to move to. Most people try to accomplish these things in a single, well-timed event. What issues do you have to avoid to make selling your house go smooth?

  • An agent that just lists your house, but doesn’t push it to sell
  • Finding a willing buyer that can’t get a loan
  • The buyer’s loan officer requiring a long list of repairs
  • The house sitting on the market while you pay two mortgage payments

NOW, let’s look at the other side of selling your house fast with owner financing. There are some concerns that come with selling a house with owner financing, I won’t lie, but the reward far outweighs the concerns. Let’s look at them one at a time.

Q: How do I know if they will pay?

A: You can ask for w-2, 1040, and paystubs just like the bank. The buyer can give you access to a credit reporting account they set up, like Credit Karma, to get their credit report.

Q: What if they don’t pay after a few months?

A: Get enough down payment to cover foreclosure costs. Call the attorney or title company you used to sell the house the first time and tell them to foreclose. Get the house back and sell it again. You make more because the buyer that defaulted, paid your mortgage for all that time and you can keep whatever they paid up to that point.

Q: What about the mortgage I have on the house.

A: Two options; we prefer to make two payments. One online payment to the existing mortgage company and one to the seller (If there is anything going to the seller). This makes the buyer feel secure that it’s going to the right place and the seller (you) can log in and make sure the payment gets made. Second option; buyer makes one payment to the seller and they make the payment to the bank. It is hard for everyone to be transparent this way. It requires a lot of trust from the buyer, but it is an option.

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Owner financing is a powerful tool for selling your house fast in Warner Robins Georgia. By providing financing directly to buyers, you can bypass the traditional bank loan process and attract a wider range of potential buyers. Whether you’re struggling to sell your property or simply want to speed up the process, owner financing can help. Contact Real Estate Problem Solver today to learn more about how we can help you sell your house with owner financing.

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