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Can a seller act as the lender in a home sale?

Yes. This is most common in situations in which the buyer has limited funds for a down payment and you own the house free and clear. In such a transaction, you finance all or part of the loan. In return, the buyer agrees to repay you at an agreed-upon interest rate, usually higher than market rates. Such an arrangement requires good credit on the part of the buyer, a sizable down payment and a precisely worded contract. Consult a real estate attorney to help negotiate the terms of the transaction and write the contract. Beware of buyers with shaky credit or who propose an unusually high interest rate

Presale Advice
Real estate tip: Pre-sale inspection 'helps avoid surprises'

Is it beneficial for a seller to order a home inspection before the house is put up for sale?
Wednesday, December 10, 2003

A pre-sale inspection can help you avoid surprises when a buyer conducts an inspection. It is especially advisable if you have deferred maintenance and repairs on your home. A pre-sale inspection gives you the opportunity to find out if you have any significant defect you need to repair or disclose to any buyers. Be sure to get a thorough inspection from a qualified inspector. If you are selling an older home, for example, you may want to choose an inspector who has experience examining older houses.

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