Find homes with owner financing — no bank required
Browse wraparound mortgages, land contracts, lease-options, and owner-carry deals from owners ready to finance the sale themselves.
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Ways sellers finance a sale
Wraparound mortgage
The seller keeps their existing loan and wraps a new note around it for the buyer, who pays the seller directly.
Land contract
The seller keeps the deed until the buyer finishes paying; the buyer takes possession and pays in installments.
Lease option
The buyer leases the property with the right to purchase later, with part of rent often credited to the price.
Owner carry
The buyer gets the deed at closing while the seller acts as the lender, collecting monthly payments directly.
Want the full picture, including legal considerations? Read our seller-financing guide.