3 bed/2 bath with 1800 sqft on 37.9 acre lot
9484 Sunrise Rd, Harris, MN 55032
$562,000
Owner financing with acceptable terms
Hobby Farm with a 1800 sqft two story home and a 450 sqft guest house and many quality outbuildings
For more information or to schedule a walk-through call 651-247-3513 to view now!
The hardest part of owner financing isn't finding the property — it's making the offer without getting burned or losing the seller. The Ready-to-Offer Kit hands you the word-for-word scripts, the exact terms to ask for, a fill-in Letter of Intent, and a scam red-flags checklist, so you can move on the right home with confidence instead of freezing at the moment that decides everything.
"This purchase was a lifesaver when trying to speak with sellers. I was able to avoid two sellers that were not honest and ended up finding my dream owner-financed home that fit my budget."
Owner financing (also called seller financing) lets you buy this property directly from the seller without going through a traditional bank. Instead of a mortgage lender approving your loan, the seller carries the financing: you agree on a purchase price, a down payment, an interest rate, and a monthly payment schedule, then pay the seller directly over time. It's one of the most flexible paths to homeownership available — and for buyers who've been turned away by banks, it's often the only door that stays open.
The appeal is straightforward: no bank approval, faster closings, and terms you negotiate directly with a real person instead of a credit algorithm. Many owner-financed deals close in a matter of weeks rather than the 45–60 days a conventional mortgage typically takes, because there's no lender underwriting to wait on. And because the seller sets the criteria, buyers with bad credit, no credit history, or self-employment income frequently qualify when a bank would say no.
Owner financing is a genuine opportunity, but it rewards buyers who go in prepared. Before you commit to any seller-financed home, verify that the seller actually owns the property free of undisclosed liens, insist on closing through a licensed title company with title insurance, and read every term of the promissory note and mortgage carefully. Watch for balloon payments, confirm there's no prepayment penalty if you plan to refinance, and understand exactly what happens if a payment is ever late. A real estate attorney should review the paperwork before you sign — it's a small cost that protects a very large decision.
Finding the right home is only half the job. The moment you contact a seller about owner financing is where deals are won or lost — and where scam-minded sellers try to take advantage of unprepared buyers. Knowing what to say, which terms to ask for, how to present your down payment and income, and how to spot a dishonest seller before you're in too deep is what separates buyers who land their dream home from buyers who get burned or lose the deal entirely. That preparation is exactly what the Ready-to-Offer Kit is built to give you.
Explore seller-financed and no-bank homes across all 50 states, plus DC and Puerto Rico.
