Welcome to my contract for deed financing page where I provide this home financing product directly for buyers looking to purchase real estate anywhere in St. Paul, Minneapolis, or the entire state of Minnesota. Close
Page Summary

I Provide Contract For Deed Financing in Minnesota

  My name is Christopher Block, and I provide contract for deed financing directly to home buyers all over the state of Minnesota including St. Paul & the Minneapolis (Twin Cities) area. St. Cloud, Rochester, Duluth, etc. I will lend anywhere in MN.

Contract for Deed is the #1 alternative and most common real estate financing option when the banks turn you down for a home mortgage, because credit is not a factor for determining loan approval. My financing is based off your income & cash down payment. Common sense lending practices are used versus the banks that can make it impossible to get a home loan.

Once approved by me for financing I act like your bank, and you can go home shopping with the peace of mind knowing the financing will be there whenever you find that dream home.

See my Contract for Deed Terms

Contract for Deed Financing St. Paul, MN

My Financing Programs Solves the #1 Problem With Contract For Deed Listings : Inventory

It is extremely frustrating for buyers during the home search when there is little to no contract for deed inventory in their desired location. It is truly the #1 problem buyers have when searching online to find contract for deed real estate listings.

"95% of homes in Minnesota listed for sale will not do contract for deed financing"

Not to mention you also have to deal with sellers who are unreasonable and/or don't understand real estate contracts. There are major legal risks to you as the buyer doing a contract for deed directly with a homeowner that is not educated in real estate. Most contracts are done incorrectly, which potentially puts your entire down payment and ownership of the home at risk.

With my financing program you will never have to miss out on that perfect house you fell in love with just because the seller won't do a contract for deed. You can also have peace of mind knowing all legal purchase documents and title work will be handled for you correctly.

Bad/No Credit is Just Fine

You may be wondering if it is possible to do this with bad credit, and the answer is yes. Contract for deed financing is the #1 alternative method to bank loans for buyers, and it is strictly income and down payment based. In other words, credit plays no role in getting approved for financing with me.

Here are just some of the typical buyers I work with:

  • Recently Divorced
  • Self Employed
  • Bankruptcy
  • Short Sale
  • Home Foreclosure
  • Foreign Nationals Seeking U.S Citizenship
  • Collections/Judgements
  • Tax Liens
  • Bad/No Credit

Some of My Contract For Deed Financing Terms

These terms are subject to change at any time. For the most updated rates please contact us directly.

1) 7.25% -30 year fixed loan
2) No pre-payment penalty
3) 20% down payment
4) Bad/No credit just fine
5) 4-5 year balloon payment 
6) Minimum total household income of $40,000 to qualify
7) Minimum purchase price $200,000 (contact me for terms on luxury contract for deed properties)
8) Only owner occupied properties are approved for financing (this is not for real estate investors)
9) No land, condos, or commercial property. I can do Townhouses.
10) I can not do refinances for other contract for deed properties

Got Questions? Contact Us Now!

How My Contract For Deed Financing Works

In essence what I do is purchase the house a buyer has picked out on their behalf, and then at the closing table sell it to them on a contract for deed. The benefit to buyers is now you can go home shopping knowing exactly what to expect for loan terms instead of asking on every single house. You can be confident knowing what your monthly payment will look like, and once pre-approved you will have peace of mind knowing the financing will be there whenever you need it.

Here are the Simple Steps to the Real Estate Transaction:

1) I verify your income and cash down payment typically through tax returns, pay stubs, checking account, etc.
2) Within 24 hrs. of verifying financials you get pre-approved for financing!
3) Once a home is found I will negotiate aggressively and purchase the house on your behalf
4) After all legal paperwork has been signed you typically will have a 1 week home inspection period to make sure the home is satisfactory
5) At the closing table I will sell the home to you on a contract for deed and the property is yours!
6) My title company will ensure all legal documents including the contract for deed get recorded accurately with the county on your behalf

The Next Steps - Getting Started

The next step is to fill out the Contact Form below to begin the application process!

Don't let that perfect house slip by because the homeowner is unwilling to work with you on a contract for deed or the bank turned you down for financing. By getting financed with me that will never happen!

You also won't have to go through 3rd parties like Realtors, lenders, or someone at a #800 number just to reach me. I am local to Minnesota where I grew up and continue to live. When you speak with me about my contract for deed financing program you will be dealing directly with the actual individual who will be lending you money for your next real estate purchase. You may call me directly at 651-307-7663 or email chrisblock@thebridgerealty.com with any questions at anytime.

Contact Us

We would love to hear from you! To get in contact with us please fill out the form below completely, and then provide a brief message so that we can expedite the process of handling your inquiry. Talk soon!

The data relating to real estate for sale on this site comes in part from the Broker Reciprocity program of the Regional Multiple Listing Service of Minnesota, Inc. Real Estate listings held by brokerage firms other than Bridge Realty are marked with the Broker Reciprocity logo or the Broker Reciprocity house icon and detailed information about them includes the names of the listing brokers. Bridge Realty is not a Multiple Listing Service MLS, nor does it offer MLS access. This website is a service of Bridge Realty, a broker Participant of the Regional Multiple Listing Service of Minnesota, Inc.

Information deemed reliable but not guaranteed.

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Listing information last updated on November 25th, 2017 at 5:20am CST.