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I want to refinance my mortgage but it's owner financed. Is that a problem? How would I start the process?

Asked by: 1969 views
Refinance

I want to refinance but I have an owner financed mortgage. Can I it refinanced?

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1 Answers

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    You’ll have to look at the terms of your contract. If there is no prepayment penalty, then I’d say go for it. If there is, weigh out the difference in saved/lost. You should have had a term length for payment in full when you set up your contract, usually 2 year or more. If the person holding the mortgage currently is doing owner financing for profit, then they might want you to live out the term of the note. If they did it as an additional option to sell there home, they might love the idea of you refinancing and taking full legal possession of the property.

    Tikalian - Aug 25, 2012 | Reply


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