How to Sell Your Home with Owner Financing: A Step-by-Step Guide

Thinking about selling your home but tired of waiting on slow banks and picky buyers? Owner financing could be the perfect solution—and with help from SEPFinancing.com, you can reach ready-to-buy buyers fast.

In this guide, we’ll walk you through exactly how to sell your home with owner financing, step by step. Whether you’ve sold homes before or you’re brand new to the process, this guide will help you take control, sell quickly, and earn monthly income from your property.

🔍 What Is Owner Financing?

Owner financing (also called seller financing) is when you, the seller, act as the bank. Instead of the buyer getting a loan from a traditional lender, they make monthly payments directly to you based on terms you both agree to.

This can be a great option if:

• You want to sell quickly

• Your buyer often doesn’t qualify for a traditional mortgage

• You’re open to monthly income instead of a one-time lump sum

• You want to attract more buyers in a competitive market

🛠 Step-by-Step: How to Sell Your Home with Owner Financing

Step 1: Understand How Owner Financing Works

You’ll create a promissory note and a deed of trust (or land contract) that lays out the payment terms—like interest rate, monthly payments, and consequences for late payments. We can connect you with professionals to help prepare the documents properly.

Step 2: Contact SEPFinancing.com

We specialize in marketing owner financed homes across Tennessee. Once you reach out to us, we’ll go over:

• The condition and location of your home

• How much you want to sell it for

• Recommended down payment and monthly terms

• Marketing package pricing (contact us directly for pricing details)

📞 Visit SEPFinancing.com/contact to get started.

Step 3: We Advertise Your Property for You

Once we finalize your listing, SEP Financing goes to work promoting your property to buyers who are specifically looking for homes with owner financing in your area.

We advertise through:

• 📢 Facebook marketing in local groups and marketplaces

• 🪧 Bandit signs strategically placed around your area

• 📲 Direct outreach to our growing network of owner-finance buyers

• 🖥️ Featured listings on SEPFinancing.com

Step 4: Qualify the Buyer

We help you connect with serious buyers who are ready to move forward. We can guide you in choosing a buyer who:

• Has enough income to make payments

• Has a reasonable down payment

• Is motivated to follow through on the deal

Step 5: Close the Deal

Once you and the buyer agree on terms, it’s time to close. You’ll sign the promissory note and deed of trust (or appropriate agreement), and the buyer will take possession of the home while making monthly payments to you.

We can point you toward legal and title professionals to handle the closing process smoothly and securely. SEP Financing does not provide legal or financial advice, nor are we acting as your agent in the transaction. We are here to help you find a qualified buyer as quickly as possible.

⚡ Why Sell with SEP Financing?

At SEP Financing, we don’t just list your property—we actively market it to real buyers. Here’s what makes us different:

• We specialize in owner financing

• We move properties faster using proven marketing strategies

• We make the process simple for both sellers and buyers

• We save you money on agent commissions with our low, one time marketing fee

🏁 Ready to Sell Your Home with Owner Financing?

Selling your house with owner financing doesn’t have to be complicated. With the right help and the right marketing, you can reach the right buyers—without relying on banks.

👉 Get in touch today at SEPFinancing.com and let us help you turn your property into a fast, profitable, and stress-free sale.