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CFD Conversions: Closer to home

If you’ve ever heard the term Contract for Deed (PDF) (“CFD”) but never understood exactly what it meant, here’s the story:

Under a CFD, a seller will provide a buyer with the financing to purchase a piece of property, and the buyer repays the loan in installments. Unlike a traditional deed of trust, however, the seller retains legal title to the property until the final installment is paid.

In other words, the buyer, doesn’t own the property until it’s fully paid for – meaning it could be years before the buyer can enjoy the benefits of homeownership.  More »

First time homebuyer programs for down payment assistance, mortgage tax credits and low interest rates
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