Owner Financing in Texas — Done Legally, Start to Finish
Owner financing lets a seller finance the sale of a home — the buyer makes payments to the seller over time instead of borrowing from a bank. Maas Law Firm prepares and reviews the legal paperwork for owner-finance closings across Texas, for sellers and buyers alike.
What Is Owner Financing?
With owner financing, the seller takes the place of the bank: the buyer purchases the home and pays the seller over time.
There are a lot of benefits to owner financing. You can sell homes fast with owner financing, even if it's not in perfect condition. By eliminating some of the struggles of purchasing a home with a traditional loan, you make your property more available to more buyers.
It can save a lot of time compared to going through a traditional lender, and you can choose to close when you want — a 7-day period is recommended to give the new buyer time to assess the property. If you would like to structure your payments over a period of time or receive a larger down payment, then it is up to you.
Maas Law Firm is a San Antonio real estate law firm offering fixed fee rates. Victor Maas has handled real estate transactions as a lawyer since 2002 and as an investor himself since 2003 — and as a licensed real estate broker, he works with sellers, buyers, investors, and real estate agents alike.
What We Prepare & Review
The legal paperwork for your owner-finance closing, done right.
Owner Finance Closing
$1,500Full legal handling of your seller-financed closing — with or without a balloon. Published flat fee: $1,500.
Deed of Trust and Note
$600For home sale & purchases. Published flat fee.
Closing Document Review
Flat fee — ask usReview for the buyer and seller, on both sides of the transaction.
How It Works
Three steps to a clean owner-finance closing.
Agree on your terms
Negotiate the price, down payment, term, balloon, interest rate, and monthly payments. The three big levers are cashflow, down payment, and interest.
We prepare the paperwork
We prepare the promissory note, deed of trust, and closing documents — document preparation for owner-finance closings.
Close when you want
You choose the closing date. A 7-day period is recommended to give the new buyer time to assess the property.
What It Costs
Published flat fees. Anything else gets a quote up front.
Deed of Trust and Note
For home sale & purchases. Published flat fee.
Owner finance closing — with or without a balloon: flat fee $1,500. Call (210) 468-1831 for a quote on anything else.
Frequently Asked Questions
Answers from our Texas real estate practice.
How do you calculate owner financing?
There are a number of different ways to negotiate an owner finance transaction. You can negotiate the price of the property, the amount of the down payment, the term, the balloon, the interest rate, and the monthly payments.
What can you negotiate in an owner finance closing?
Three main items: cashflow, down payment, and interest. That means a monthly payment the buyer can afford, a down payment that can be more or less than the traditional percentage, and an interest rate structured to fit the deal — with or without interest.
Do you have to use a real estate agent when doing an owner finance?
No. An owner finance closing is handled with legal documents, not a listing — but agents are always welcome here. Maas Law Firm works with sellers, buyers, investors, and real estate agents on owner-financed deals.
How much does an owner finance closing cost?
The firm publishes flat fees for individual documents — for example, a Deed of Trust and Note is $600, and an Owner Financing Closing is $1,500. Call (210) 468-1831 for a quote on anything else.
Ready to Close Your Owner-Finance Deal?
Call Maas Law Firm — flat fees quoted up front, closings done right.
(210) 468-1831