Buying a home sold by owner
You can finance an owner-listed home. Here’s what to have ready, and how a local broker can help.
Get ready
- Get pre-approved before you make an offer.
- Gather recent pay stubs, W-2s or tax returns, and bank statements.
- Know your credit picture and how much you plan to put down.
- Ask the seller for any disclosures and your own inspection access.
What to expect
- A signed purchase contract between you and the seller.
- A lender appraisal and clear title through a title company.
- A real estate attorney or title company to help with the paperwork, since there is no agent.
- Closing on the date in your contract.
Loan programs
As a broker I can compare programs across lenders. Learn more about each on Mortgage Champ KC.
FHA loans
Flexible credit and down payment guidelines. Learn more
VA loans
For eligible veterans and service members. Learn more
Conventional loans
A common choice for buyers with solid credit. Learn more
First-time buyers
Programs and assistance that may be available if you qualify. Learn more
Ready to get pre-approved?
Call me and we can review your options. All loans are subject to credit approval and program guidelines.
FSBO Champ KC · Steven Clune, Loan Officer, NMLS #2798604 · Nexa Lending, NMLS #1660690 · Rochon Mortgage Team, 1475 Walnut St, Kansas City, MO 64106 · 913.530.8133
Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, program guidelines and underwriting. Not legal or tax advice. For mortgage loan products and services, see Mortgage Champ KC.