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kevin@emkproperties.com

Head Office

Jacksonville, FL 32258

1160 Lake Valley Rd, Macon, GA 31210

Owner Finance Home For Sale

Bad Credit OK, No Bank Qualifying

Overview

This spacious home in North Macon needs some TLC but it is move-in ready. The open floor plan upstairs features:
Downstairs you will find an additional:

Interior details

Bedrooms and bathrooms
Basement
Flooring
Heating
Cooling
Appliances
Interior Features
Other interior features

Construction & Property details

Type and style
Material information
Condition
Parking
Property
Lot
Other property information

Self Employed is OK
Bad Credit is OK
No Bank Qualifying.

This is a Great Opportunity for a deserving family (or individual) to own their home without having to qualify at a bank.

This is a Great Opportunity for a deserving family (or individual) to own their home without having to qualify at a bank.

Probably the best part is that we’re OWNER FINANCING this home for $169,900. This is NOT a Lease Purchase or a Rent To Own where you pay for years and own nothing.

This is a REAL Owner Financing deal where the buyer (You) gets the deed to the property and all ownership rights at the closing.

All we need is some decent income and a reasonable downpayment to give the new owner a loan.

As you can imagine, this home won’t last long at this price with no banks involved so hurry!

FAQ’s

The property is available for self-guided viewings daily between 8am and 7pm. Simply drive to the property anytime between 8am and 7pm EST. When you get to the property, call the phone number on the sign in the front yard for the lockbox details. You’ll need to provide your ID to gain access to the property and do the self-tour.

We close with a local Attorney or Title Company. At the closing, you get the deed so you own it when we close. We hold the note (mortgage) just like the bank. After the downpayment, you make monthly payments until paid in full just like buyers do when they get a home loan from a bank.
You own the home so feel free to make any changes you like. As a homeowner that’s your right. Our concern, like the bank, is to continue receiving our payments for the loan we gave you to buy the home.

When we sell homes with owner financing we routinely receive downpayments of between 10% to 25%. On rare occasions we’ve gotten as much as 50% down.

The interest rate and monthly payment depend on how much you put down as well as your income. The more you can put down to your new home, the better. There is no minimum or maximum down payment. Keep in mind you’ll be going up against other families who want to own this home as well so put your best foot forward.

We can do a 10, 20, or 30-year term on the loan. There is no balloon and no prepayment penalty.

Yes. Taxes & Insurance are included in each monthly payment and just like a regular mortgage, they are held in escrow and paid out as required.

Because we close with a real estate attorney/title company there will be standard closing costs, loan origination fees etc. Typically, our fees are much less than getting a mortgage from a bank or other financial institution.

The most important step is to go see the property and decide if it’s something you want. None of the other stuff matters if you don’t like the house, the neighborhood or anything else. Wouldn’t you agree?

Once you see the house and like it, we can discuss the specifics of the downpayment, interest rate etc

Can I get pre-qualified for this house before the viewing?

While we always suggest you see the home in person before deciding on it, feel free to contact us with answers to these questions below.
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