Last Updated: 1-2-2026

Welcome to Homes With Owner Financing, LLC (the “Website,” “Platform,” “we,” “us,” or “our”). By accessing or using this Website, you agree to be bound by the following Terms of Use and Disclaimer. If you do not agree, please do not use the Website.

1. Nature of the Platform

Homes With Owner Financing, LLC is an online advertising and listing platform that provides access to information about properties offered for sale with owner financing, seller financing, or land contract terms.

We do not:

• Act as a real estate broker or agent

• Act as a mortgage lender or financial institution

• Provide legal, tax, or financial advice

• Participate in negotiations or transactions

• Approve buyers or sellers

• Handle funds, escrows, or closings

All transactions occur directly between buyers and sellers, independent of this Platform.

2. No Brokerage, Lending, or Agency Relationship

Use of this Website does not create:

• A broker-client relationship

• A lender-borrower relationship

• An agency, partnership, joint venture, or fiduciary relationship

We do not represent buyers or sellers and do not owe duties beyond providing access to the Platform.

3. Listings and Content Disclaimer

Property listings, descriptions, pricing, financing terms, images, and availability are provided solely by third parties.

We do not:

• Verify ownership, title, or authority to sell

• Inspect properties

• Guarantee accuracy, completeness, or legality of listings

• Guarantee financing terms or transaction outcomes

All users are responsible for conducting their own due diligence before entering any agreement.

4. Buyer Responsibilities

Buyers acknowledge and agree that:

• Financing terms are set entirely by sellers

• Owner financing and land contracts are governed by state-specific laws

• Professional advice from a licensed real estate attorney, title company, or escrow agent is strongly recommended

• The Platform does not screen sellers or properties

You assume all risk associated with using information obtained through the Website.

5. Seller Responsibilities

Sellers represent and warrant that:

• They have legal authority to advertise the property

• All listing information provided is accurate to the best of their knowledge

• They comply with all applicable federal, state, and local laws

• They are responsible for contracts, disclosures, and closing procedures

We reserve the right to remove listings that violate these Terms without notice.

6. Fees, Subscriptions & Payments

Fees charged by the Platform (including listing fees or access fees) are for advertising, platform access, and information services only.

We do not:

• Charge commissions

• Collect payments related to property transactions

• Guarantee results from paid access or listings

All fees are disclosed prior to purchase. Subscription purchases are nonrefundable.

7. No Guarantees or Warranties

The Website is provided on an “as is” and “as available” basis.

We make no warranties, express or implied, including but not limited to:

• Accuracy of listings

• Financial outcomes

• Property condition

• Legal compliance of transactions

• Buyer or seller performance

Use of the Platform is at your own risk.

8. Limitation of Liability

To the maximum extent permitted by law, Homes With Owner Financing, LLC shall not be liable for any:

• Direct or indirect losses

• Financial damages

• Legal disputes

• Transaction failures

• Fraud or misrepresentation by third parties

Our total liability, if any, shall not exceed the amount paid to us by the user in the preceding 12 months.

9. Indemnification

You agree to indemnify and hold harmless Homes With Owner Financing, LLC, its owners, operators, and affiliates from any claims, damages, losses, or expenses arising from:

• Your use of the Website

• Your listings or communications

• Your transactions or agreements

10. Prohibited Use

You may not use the Platform to:

• Post false or misleading information

• Violate housing, consumer protection, or advertising laws

• Engage in fraud, harassment, or spam

• Circumvent fees or access controls

We reserve the right to suspend or terminate access at our sole discretion.

11. Third-Party Links

The Website may contain links to third-party websites. We do not control or endorse these sites and are not responsible for their content or practices.

12. Governing Law

These Terms are governed by the laws of the United States and the State of Florida, without regard to conflict-of-law principles.

13. Changes to These Terms

We may update these Terms at any time. Continued use of the Website after changes constitutes acceptance of the revised Terms.

14. Contact Information

For questions regarding these Terms, please contact us through the Website’s contact form.

Disclaimer:

This Platform provides advertising and informational services only. We do not facilitate real estate transactions, provide financing, or offer legal or financial advice. Buyers and sellers are solely responsible for compliance with all applicable laws and for engaging qualified professionals when completing transactions.