3. Exploring the Buyer’s Perspective

Advantages of Buyer Seeking Seller Financing

  • Easier Qualification: Buyers who might face challenges obtaining traditional mortgages due to credit score or income can find it easier to qualify for seller financing. Sellers may be more flexible in their requirements, making it an accessible option for a wider range of buyers.
  • Faster Transaction: The absence of a lengthy mortgage application process enables a quicker transaction. This is especially advantageous for buyers who wish to move into their new property promptly.
  • Flexible Terms: Seller financing allows buyers to negotiate terms directly with the seller. This flexibility can lead to more favorable conditions, such as lower interest rates and down payment options.

Assessing Eligibility and Creditworthiness

  • Financial Assessment: Buyers should conduct a thorough assessment of their financial situation before considering seller financing. This includes evaluating their income, existing debts, and savings to determine affordability.
  • Creditworthiness: While seller financing might be more lenient in credit requirements, buyers should still aim to improve their credit score as it can influence the interest rate and terms offered by the seller.
  • Proof of Income: Providing documentation of stable income is crucial in showcasing the ability to make timely payments on the seller-financed loan.

Navigating the Negotiation Process

  • Property Valuation: Buyers should research the property’s market value to ensure they are paying a fair price. Professional appraisals can provide valuable insights.
  • Down Payment and Interest Rate: Negotiate a down payment that suits your financial capabilities, and aim to secure a competitive interest rate that aligns with the current market.
  • Legal Assistance: Engaging a real estate attorney can safeguard your interests during the negotiation and documentation process. They can ensure the agreement is legally binding and favorable for all parties involved.


Dustin Zeller is a real estate agent who specializes in helping home buyers purchase homes through seller financing. This type of financing requires a down payment, typically 10-20%, but offers more flexible requirements than traditional bank financing. Dustin Zeller has 20 years of experience in this field and can help buyers with low credit scores or those who are self-employed. You don’t need a social security number. All you need is a down payment and a desire to buy a house. Interest rates can often be better than current mortgage interest rates. Anywhere from 1 to 2% better. Dustin Zeller will put the deal together to keep you safe.

Dustin Zeller

20 Years Experience, Skilled Negotiator, Creative Financing Guru

Dustin Zeller | Seller Financing Expert




8871 Sandy Pkwy STE 100 Sandy, UT 84070

Phone Number

(801) 836-2225

Business Hours

24/ 7 / 365

Do you need some help?

Give Me a Call At (801) 836-2225

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