Owner Financing in Pennsylvania

Harrisburg, PennsylvaniaWantFinancingPrivate Money

Owner Financing in Pennsylvania

Lafayette, Macon County · Member since 2026 · 7 posts · 1 vote

Hello,

I am looking for owner finacing in Pennsylvania. I put Harrisburg area. However I am open to all of Pennsylvania except major inner cities.

Looking for a habitable fixer upper under 130000.

Thank you!

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Marc Del Priore
Lender · Philadelphia, PA · Member since 2024 · 42 posts · 14 votes
1d
Hi Jessica, owner financing can be a great path in Pennsylvania, especially on a habitable fixer upper under 130k where the seller has equity and some flexibility. The details that usually decide whether a deal pencils are the down payment you can bring, the monthly payment you are comfortable with, and how the repairs will be handled, since some sellers carry the note as-is and others want a shorter balloon. If a seller will not carry, a private money purchase loan is often the backup route, and the numbers then hinge on the after repair value and your exit into a long term rental loan. I am Marc with Royal Partners, and I work with Pennsylvania investors on exactly these purchase structures. If you find a property you like, DM me the address, asking price, rent estimate and how much you plan to put down, and I will help you map out the options.
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- Jessica Lawrence
  OP
  Lafayette, Macon County · Member since 2026 · 7 posts · 1 vote
  1d
  I sent you a request.
  Not interested in balloon. Due to refinance risk. or land deed due to potential hassles. I'm looking for a 15 yr amortized loan. No payoff penalty. This would be more of an offer for someone who's wanting to sell there home with flex terms and has some time to sit on it. It still gains interest. Not what I would consider for the person wanting steady 15 yr income.
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- Marc Del Priore
  Lender · Philadelphia, PA · Member since 2024 · 42 posts · 14 votes
  1d
  Hi Jessica, thanks for clarifying that. A 15 year amortized loan with no balloon and no payoff penalty is a very specific seller financing ask, so it will usually come from an individual seller who wants steady income, not a traditional lender, which is why direct outreach can be hit or miss. Targeting older long term owners with free and clear or low balance homes under $130K, and being upfront about inspection, down payment, and the monthly payment you can support, will help your chances in the next two weeks. I am Marc with Royal Partners. Royal lenders are not a fit for no balloon seller terms like that, but if you find a seller open to terms and want a second set of eyes on the numbers before you sign, DM me the details and I will give you a straight read.
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- Jessica Lawrence
  OP
  Lafayette, Macon County · Member since 2026 · 7 posts · 1 vote
  1d
  I appreciate your replies ! Yes, I am quite specific. I am willing to negotiating as far as interest, down payment etc. I understand it also has to make sense to the seller.
  
  I've done a tad bit of reading. With more room to learn. If you ever feel like reaching out and giving a bit of mentor advice feel free. I'd like to see this home be my first investment in equity. Not just a first home.
  Also I did send you a contact request!
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Matthew MorrowBusiness Member
Investor · PA - NY - NJ · Member since 2019 · 924 posts · 328 votes
1d
@Jessica Lawrence owner financing is out there in PA, but in my experience the sellers who'll do it rarely advertise it. A lot of my early deals came straight from owners through letters, phone calls, and driving neighborhoods, and terms usually came up only after a real conversation about what the seller actually needed. Longtime landlords who are ready to slow down tend to be the most open to it. At that price I'd also leave room in the budget for more repairs than the walkthrough shows. Older PA houses almost always have a few surprises.
[email protected]484-791-6200
CORE Team | Realty ONE Group Supreme548 Reviews
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- Jessica Lawrence
  OP
  Lafayette, Macon County · Member since 2026 · 7 posts · 1 vote
  1d
  I've been reaching out directly .. ALOT. No luck. I feel I'm looking the wrong places. Which is why I posted here. I was hoping someone could offer some guidance. I'm wanting to find something within the next 2 weeks. Definitely wanna have an inspect done.
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Mayo GilfurtPro Member
Real Estate Consultant · Connecticut Ct · Member since 2026 · 156 posts · 34 votes
1d
Jessica, I noticed you're exploring owner-financing opportunities throughout Pennsylvania.
Quick question: Are you looking to purchase the property as a primary residence, or is this intended to be an investment property?
I ask because the intended use can make a significant difference when evaluating available financing options.
Mayo Gilfurt
Gilfurt Capital
Commercial & Business Lending
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- Jessica Lawrence
  OP
  Lafayette, Macon County · Member since 2026 · 7 posts · 1 vote
  1d
  I'm wanting a move and flip. Odds are possible I may fall in love after a remodel. Time will tell. To clarify yes I'm moving for a job. This would be primary residence.
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Nyisha Walton
Lender · Houston, TX · Member since 2026 · 105 posts · 31 votes
6h
Your preference for a Pennsylvania property under $130,000 with a 15-year fully amortizing note, no balloon and no prepayment penalty is clear. The best financing path will depend on whether you plan to occupy the home, the county, your available down payment, the repair scope and whether the seller is open to carrying the note. If you’re comfortable sharing those basics, I can help you compare a seller-financed structure with any conventional or renovation options that may fit. No pressure.
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