Seller Financing. No Lender Required.

When you negotiate a home loan directly with a seller, it’s called a purchase loan, sometimes referred to as owner financing. It can be a great alternative for those struggling to qualify for a traditional loan.

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The Advantages of a Purchase Loan

Leniency for Poor Credit

Although your credit report will likely be reviewed, sellers typically are more flexible with their criteria

Flexible Terms

You can choose any number of loan options such as fixed-rate, adjustable, interest-only or balloon

Negotiable Down Payment

You work with the seller and in some cases can even make periodic lump-sum payments

Lower Closing Costs

You won’t have to pay the fees that institutional lenders charge, which means lower closing costs

What’s the Benefit for the Seller?

Sellers are taking a risk with a purchase loan, but there are benefits for them as well, making it an easier sell for borrowers. It can give a seller extra monthly cash flow, for example, and they will typically be able to get the full list price or more for their home.

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Common Questions About Purchase Loans

The Nikkael Advantage: Attorney Owned and Operated

As an attorney-owned and operated mortgage company, we owe our clients a higher ethical obligation than a traditional mortgage broker. That means our clients have a better experience, with superior service, and an outcome that meets their needs, not ours.

No situation is too complex

No situation is too complex

With a real estate attorney at the helm, there is no situation that is too unique or complex for us to handle. Our highly trained team specializes in complex loans.

We’re also real estate attorneys

We’re also real estate attorneys

Nikkael Home Loans is owned and operated by attorneys who know how to work through challenging matters to find the best solution for you.

There’s no pressure

There’s no pressure

We won’t sell you on a loan—instead, we will educate and inform you about the best options to match your needs.

Robert R.
El Cajon, CA
I was extremely impressed with your handling of the loan – I don’t say that very often. Thanks again.
Elizabeth R.
Los Angeles, CA
We are very grateful to have you as our broker, you have helped us a lot and done a great job from the very beginning.
Allen K.
Sherman Oaks, CA
You did a wonderful job, I don’t think anyone else would have taken the time and put in the effort to get my loan closed.

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Considering a Purchase Loan?

We’re a top purchase loan broker in Orange County, and we’re armed with answers to all your questions. Contact us today!

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