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Buyers information

Whether you are a first time home buyer, purchasing your second or third home, buying an investment property or investing in a vacation home, buying is a huge decision. It can be one of the most rewarding and one of the most stressful experiences a person can have. Navigating the tricky waters of buying a home is no easy task. But, a good real estate agent can help. As you go through the buying process, you will normally take the following steps:

  • Determine your goals
  • Get pre-approved for a loan
  • Find a good real estate agent
  • Find your dream home
  • Negotiate and strike a deal with the seller
  • Lock down the financing
  • Finalize the deal
  • Owner financing -Contract for deed properties usually want 10% down of the sale price of the house to do a cd. Credit usually not an issue.


  1. I have lenders that can do 0 down loans in rural areas.
  2. Fha loans 3 to 3.5%  down
  3. Conventional as low as 3% down
  4. Mortgages with $1000 down..
  5. There are lots of options for you to buy a home contact us today . You will be happy you did. 
  6. 651-334-8312 Steve Vennemann

This you must do when you buy a home contract for deed.

Recording the contract for deed

Within four months of signing the contract for deed, you must “record” it with the office of the county recorder or registrar of titles in the county in which the property is located. If you do not do so, you could face a fine. Recording the contract will also help prove your possession of the property and protect you from post-contract encumbrances placed on the property by the seller.


Balloon payment

As in a standard mortgage, a contract for deed typically has an agreed-upon price and payment schedule. But the payments are often not amortized evenly over a long period, meaning you will likely be required to make a large lump-sum “balloon payment” at a specific date to complete the purchase by covering the full balance due on the sale price. At that time, you will probably need to get a mortgage for the balloon payment. If you are unable to qualify for a mortgage or otherwise make the balloon payment when it is due, you should plan ahead and give your self time to sell the home. The buyer gets to keep the equity in the property. Anything above what the buyer owes they get to keep.