Lovely home in a quiet neighborhood. New vinyl flooring, new carpet installed, whole interior of home painted, new lighting fixtures, new garbage disposal, electric stove, dishwasher, new garage door opener, all installed in Sep. 2022. New water heater installed Jan. 2023. Large back yard with dog kennel. Underground storm shelter. Long driveway. This home is absolutely wonderful! In the city but quiet with large backyard. Seller finance option includes $15,000 down OR bring your own financing. Owner Finance option as follows: $15,000 down $1,815/ month + insurance and property taxes 10% for 25 years Total price of this home is $220,000 (it was appraised at $250,000) NO EARLY PAYMENT PENALTY Please get informed on what current rates are through conventional loans. Not sure what to look for? Here's a website that is very helpful in becoming informed https://www.bankrate.com/mortgages/average-down-payment/ That website will help you understand what the average down payment is based on your credit, what your monthly payments would be, as well as lenth of terms in years. Buying a home is more difficult than buying a car. If you don't qualify for a car, you likely won't qualify for a house through conventional terms. That's why some families look for homes being sold by owners. The owner carries a risk that banks won't consider, so that is why we have to protect our asset with a higher interest rate.
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