The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Buyer and seller shaking hands in front of a house with a signed “Promissory Note” and “Deed of Trust,” illustrating a seller-financed real estate agreement.

When Seller Carry Financing Makes Sense

By Scott Sheldon / November 18, 2025

When Seller Carry Financing Makes Sense For some buyers, qualifying for a traditional mortgage isn’t always possible—or practical. Maybe the property is too unique for a conventional loan, or the buyer’s credit profile doesn’t meet lender standards. In specific cases like these, seller carry financing—also called seller financing or owner financing—can bridge the gap and…

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