*Monthly amount includes PITI (principal + interest + taxes + insurance + $150 HOA fee* Owner-Financed Home in Clayton's Premier Master-Planned Community **Property Overview This nearly new 2022-built home offers 1,762 square feet of modern living space with 3 bedrooms, 2.5 bathrooms, and an open floor plan. Featuring contemporary finishes throughout and a private backyard, this move-in-ready residence combines quality construction with thoughtful design. **Owner Financing Terms - Down Payment: $25,000 (less than 8%) - Monthly Payment: $2,571 (includes HOA) - No traditional bank qualifying required - 30-day closing timeline - 3-year balloon term **Qualifying Criteria This financing structure is designed for buyers who may not qualify for conventional lending, including: - Self-employed individuals and business owners - Those with credit scores of 580 or above - First-time buyers building credit history - Anyone with $25,000 down payment and verifiable steady income **Flowers Plantation Community Amenities Residents enjoy access to an exceptional array of resort-style amenities within this award-winning 3,000-acre master-planned community: - 20,000 sq ft East Triangle YMCA with state-of-the-art fitness center and Olympic-size pool - Over 20 miles of walking and biking trails connected to regional trail systems - Tennis, pickleball, and basketball courts - Multiple swimming pools and splash pads - Club spa and fitness classes - Clubhouse featuring cafe and bar - Regular community events and social activities - Children's playgrounds and sports fields - On-site UNC Physicians Network medical care - Top-rated schools: River Dell Elementary (8/10) and Archer Lodge Middle (8/10) - No city taxes (Johnston County location) **Location Benefits - 10 minutes to downtown Clayton - 30 minutes to downtown Raleigh - 40 minutes to RDU International Airport - 45 minutes to Research Triangle Park - Convenient access to shopping, dining, and major highways (I-40, I-540, NC-42) **Downtown Clayton Highlights Clayton offers an ideal blend of small-town charm and metropolitan accessibility: *Dining & Entertainment:* - Diverse restaurant scene from fine dining to casual fare - First legal brewery in Johnston County - The Clayton Center for live performances and cultural events - Saturday Farmers Market featuring local vendors - Year-round arts festivals and community celebrations *Outdoor Recreation:* - Neuse Riverwalk with scenic riverside trails - Sam's Branch Greenway connecting to 70+ miles of trails - Clemmons State Forest for hiking and nature programs - Water recreation on the Neuse River - Multiple golf courses within 15 minutes **Owner Financing Advantages Traditional lending institutions often decline qualified buyers due to self-employment status, credit scores below 620, recent financial challenges, or limited credit history. This owner-financing opportunity provides an alternative path to homeownership, allowing you to build equity immediately while positioning yourself for traditional refinancing within the 3-year term. **Transaction Process 1. Schedule property showing 2. Complete pre-qualification (income verification and background check) 3. Execute contract with $3,500 earnest money (refundable during inspection period) 4. Conduct home inspection and finalize documentation 5. Close within 30 days with remaining $21,500 down payment 6. Take immediate possession **Payment Structure - Initial Earnest Money: $3,500 (applied to down payment) - Balance at Closing: $21,500 - Total Down Payment: $25,000 - Monthly Payment: $2,571 (includes $150 HOA fee) - Balloon Payment: Due at 3 years (refinance or pay in full) **Ideal Buyer Profile - Self-employed professionals, contractors, and freelancers - Small business owners with documented steady income - Individuals rebuilding credit after financial setbacks - First-time buyers requiring time to establish credit - Credit scores of 580 or above with verifiable income - Families ready to transition from renting to homeownership **Frequently Asked Questions *What credit score is required?* We evaluate applications with credit scores of 580 and above, considering individual circumstances. Income documentation and the full down payment are essential. *How does self-employment affect qualification?* Self-employment is accepted. Income verification can be provided through bank statements, 1099 forms, or other financial documentation a more flexible process than traditional lending. *Who is responsible for home repairs and maintenance?* As the owner, you are responsible for all repairs, maintenance, property taxes, and insurance standard homeowner obligations. *Is the earnest money refundable?* Yes, during the due diligence and inspection period. After that period, it becomes non-refundable but applies toward your total down payment. **About Flowers Plantation This 3,000-acre master-planned community has been carefully designed to promote active living and meaningful community connections. As one of the Research Triangle area's most sought-after developments, Flowers Plantation offers pedestrian-friendly design, diverse housing options, an active social calendar, family-oriented programming, and convenient on-site amenities all without city tax obligations. **Why Clayton, NC Clayton consistently ranks among North Carolina's best places to live, offering rapid growth, small-town community atmosphere, convenient access to metropolitan centers, proximity to Research Triangle Park employers, excellent schools, diverse dining options, vibrant arts and culture scene, extensive outdoor recreation, competitive pricing compared to Raleigh and Durham, and comprehensive shopping and healthcare access. **This property represents a rare opportunity to acquire a nearly new home in Clayton's most desirable community through accessible owner financing. For showing appointments and additional information, please contact us today.** 3 Year Term: At Contract: $3,500 earnest money (applies to down payment) At Closing: $21,500 (balance of down payment) TOTAL DOWN PAYMENT: $25,000 Monthly Payment: $2,571 Includes: Principal, Interest, HOA ($150) You pay: Property taxes, insurance (separate) Balloon: 3 years (refinance to traditional mortgage or pay off)
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