Seller financing

A possible path to buy now and refinance later

Explore a seller-financed purchase when traditional financing is not currently available.

Seller financing generally involves a substantial down payment paid toward the purchase price and a deadline for refinancing into traditional financing. The published program information describes a typical refinance window of 12 to 36 months.

Published highlights

Situations that may be considered

Low credit score
Past bankruptcy
Past foreclosure
No tax returns

How it works

Purchase, prepare, refinance

Buy the home with a large down payment to the seller
Receive a deadline to resolve credit or income issues
Follow a roadmap toward traditional financing
Refinance within the agreed time period

Qualification process

Three published steps

Obtain a financial snapshot from a mortgage professional
Build a roadmap for credit or income improvements
Review available seller-financed homes

Specialty home loan guidance

More options than a typical big bank

Village Mortgage works with a broad selection of home loan programs and helps borrowers compare options that may fit their credit, income, property, and financing needs.

Start your home loan journey

Explore your options

Begin the secure Village Mortgage questionnaire when you’re ready.

Start Your Qualifier →