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Updated almost 3 years ago on . Most recent reply

Alex Pino's profile image
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Alex Pino
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  • from San Antonio Tx
  • Member since Jul 27, 2022
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Alex Pino
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Alex Pino
  • Realtor
  • San Antonio Tx
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Creative Real Estate Financing

Does owner finance affect conventional lending options?

Alex Pino
  • Realtor
  • San Antonio Tx
Posted

Say I I owner finance a property, would I still be able to use my VA Loan or FHA loan for another property? or will lenders consider it debt? Will they say I am not a first time home buyer?

San Antonio, Texas
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Jay Hurst
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Jay Hurst
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Jay Hurst
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Jay Hurst
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  • Dallas, TX
Replied

You do not have to be a first time home buyer for either FHA or VA. So, if you current home that you owner finance still has VA financing on it, then you could potentially do a FHA loan but not a VA. And vice versa. But, if you still have financing the existing loan would be considered debt.

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