We will buy or help you find a buyer for your farm through an owner-finance arrangement.
Complete the form and we will be in touch!
Owner-fiance is a very attractive arrangement for new farmers who have trouble meeting the credit history or other requirements of traditional lending institutions. But, owner-finance can be a win-win, with great benefits for the owner-seller as well!
Seller-financing creates the opportunity for steady, recurring cash flow over time. For people on fixed incomes, monthly cash flow can be very attractive.
This is especially advantageous for owner-sellers that are at or nearing retirement.
Rather than a seller taking the sale proceeds all in cash and showing a huge income in one year, payments can be taxed at a lower capital gains rate over many years.
Also, because the seller pays taxes as payments are made, the taxes are spread out over time.
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When a seller carries financing for a buyer, there's a contract that outlines specific terms for repayment. There are several types of seller financing structures available:
• Note and mortgage.
• Land contract, which can also be called a contract for deed
• Lease option.
A note and mortgage is the most secure form of financing and is the same structure banks use when lending on a property. The seller creates a note outlining the amount borrowed and terms for repayment. The mortgage securitizes the seller with the property in the event of default. The buyer is put on the title with a deed and the mortgage is typically recorded in public records.
A land contract can also be called a contract for deed or agreement for deed and works similarly to a note and mortgage. However, instead of the buyer gaining title to the property, the seller remains on title until the debt is repaid in full.
We can help you decide if owner-finance makes sense for you and if it does, we will help find a buyer. No fees. No obligations.
Call us!Simply swap out the content with your own and you've got a Webflow landing page to collect leads within moments. Enjoy!
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