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Real Estate Tips

Financing Your Home >Owner Financing

If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.

Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.

Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.

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Real Estate Trivia

Q 
What price range is considered upscale or high-end in residential real estate?

A 
The price range varies depending on the local market, but upscale homes are in the top 10% of an MLS area's annual home sales.
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Vickie Polston, REALTORŪ, real estate agent and broker for Bullhead City, Mohave Valley and Fort Mohave, Arizona home listings, property and land for sale - NUMBER1EXPERT

Vickie Polston
Keller Williams, River Cities Specialist

2440 Adobe Rd.
Bullhead City, AZ 86442
Tel: 928-727-2501
Fax: 928-768-2516
Email: vickieandchuckpolston@NUMBER1EXPERT.com

As residents of Mohave County Arizona, I have become familiar with land and homes of the Tri- State area. My passion for the Colorado River and the community surrounding the area, golfing and gaming at the local casinos in Laughlin, Nevada has not only given us a look into the community's future home growth but allowed me to develop a reputation for marketing, follow-up skills and motivation. As your local Arizona Realtor in Mohave County, I will work harder and longer to find the right lots, property, home, or investments to meet the needs of my clients. Throughout my years in the Mohave Valley area, I have developed a network of investors and contacts to better serve the needs of my clients. Whether you are buying, selling acreage, new or used homes, or investing with me as your Arizona Realtor "no phone call will go unanswered, and no appointment will be missed!"

Equal Housing MLS REALTOR SFR


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