California Owner Financing Homes, Houses, Townhomes, Condos

CAOwnerFinancing.com is your resource for owner financing homes, houses, townhomes, and condos located in California. Whether you are looking for a Bond for Title in CA or possibly you need an owner to carry a second mortgage, you have found the best resource for owner financing homes in California.

Rent to Own Homes in CA

Another form of owner financing can be Rent to Own. Your best source for Rent to Own houses and homes in California is located at CA Rent to Own.

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Real Estate Agents, Property Owners, and Management Companies

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Owner Financed Homes by Area in California

East Bay, Oakland, Berkeley, Alameda County, and Contra Costa County (14 homes)
Fresno, Clovis, and Fresno County (1 home)
Napa and Napa County (1 home)
Orange County, Santa Ana, Anaheim, San Clemente, and Irvine (2 homes)
Sacramento, Woodland, Citrus Heights, Placerville, and Vicinity (42 homes)
San Bernardino County (3 homes)
San Francisco and San Francisco County (1 home)
San Jose, South Bay, Santa Clara County and San Benito County (4 homes)
San Mateo, Redwood City, and San Mateo County (1 home)
San Rafael, Novato, and Marin County (2 homes)
Santa Rosa, Petaluma, and Sonoma County (5 homes)
Los Angeles - San Fernando Valley (1 home)
Los Angeles- Central LA 213/323 (2 homes)
Bakersfield and Kern County (1 home)
Palm Springs, La Quinta, Indio, and Vicinity (1 home)
Riverside, San Bernardino, Moreno Valley and Inland Empire (1 home)
Sacramento, Woodland, Citrus Heights, Placerville, and Vicinity (3 homes)
San Bernardino County (1 home)
Ventura, Simi Valley, Oxnard, Thousand Oaks, and Ventura County (1 home)
Los Angeles - San Fernando Valley (1 home)
Los Angeles - San Gabriel Valley (1 home)
Los Angeles- Westside Southbay 310 (1 home)
Los Angeles - Long Beach (1 home)

What is a Bond for Title?

A Bond for Title (aka 'installment land contract) is an agreement wherein the buyer makes payments on an arrangement similar to an vehicle financing. The seller has legal title to the property as security for payment, while the buyer has 'equitable' title. When the buyer pays the full amount due under the contract, the seller delivers legal title to the buyer.

Equitable title gives the buyer the right to live in the property, improve it, rent it and otherwise enjoy all of the benefits of ownership. However, since the buyer does not have legal title, he cannot use it as collateral for a home equity loan (although in some states, banks will lend against an equitable interest in a land contract).

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How does Rent to Own Work?

'Lease-option' or more commonly called a Rent to Own describes the process whereby you are only buying the right to buy a home at some time in the future at a given price (or again, at a price to be determined). With a lease option you are under no legal obligation to buy the property ('exercise your option') if you determine that doing so is not in your best interest.

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