Bond for deed

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Northshore Prices Held While Affordability Fell

When affordability drops and home prices remain steady, a bond for deed can bridge the gap and keep Northshore transactions moving forward.

Escrow Services, Inc.October 13, 20265 min read

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VantageScore Is In. Your Bond for Deed Buyers Just Became Bankable.

Fannie and Freddie accepting VantageScore 4.0 lets buyers refinance out of seller financing, giving note holders a complete win with an early full payoff.

Erik JensenOctober 6, 20265 min read

A calculator and real estate documents sit on a gold key before a backdrop of houses and trees.

How Six Months of Rising Rates Altered a $250,000 House Payment

How a six-month climb in interest rates impacts a typical $250,000 Northshore house payment and why a Bond for Deed offers a necessary bridge.

Escrow Services, Inc.September 29, 20265 min read

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The Fed Raised Rates. Your Buyer's Payment Did Not Move.

A fixed Bond for Deed payment set directly by the parties offers insulation the traditional bank market cannot match after a rate hike.

Erik JensenSeptember 22, 20265 min read

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Why a Servicer Matters Most the Week After a Storm

After storms like Bertha and Edouard, the seller-financed deals that stay clean have a third party keeping records and taking payments.

Erik JensenSeptember 15, 20265 min read

A hand holds a golden key above a tied stack of documents with a blue house in the background.

Financing Terms Win the House in a Tight St. Tammany Market

When housing inventory tightens, sellers who carry the note and buyers with a strong down payment bypass conventional mortgage barriers.

Escrow Services, Inc.September 8, 20264 min read

An insurance policy sits in a mailbox overlooking a residential neighborhood with houses and a water tower.

St. Tammany's Fire Ratings Improved. Small Savings Are Worth Chasing.

Recent fire rating upgrades in St. Tammany Parish lower property insurance premiums, creating compounding savings for buyers in seller-financed deals.

Escrow Services, Inc.September 1, 20265 min read

A balance scale weighs a large golden key against a house with a family on the porch.

A Flat Metro Is Where Seller Financing Earns Its Keep

When Louisiana home appreciation stalls, sellers can move property and maintain their asking price by competing on terms traditional banks cannot match.

Erik JensenAugust 25, 20265 min read

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Sales Stalled at 4.06 Million. Seller Financing Moves Inventory.

When high rates and rigid underwriting push conventional buyers out of the market, a well-structured Bond for Deed gives sellers a way to close the deal.

Erik JensenAugust 11, 20265 min read

A fountain pen rests on a document with charts, with two houses on stilts in the background.

Rates rose four weeks running in July. A payment the parties set once does not.

While national average mortgage rates drift higher, an installment schedule agreed to at closing provides absolute certainty for buyers and sellers.

Erik JensenAugust 4, 20264 min read

A house in a snow globe sits on a desk next to contracts as a blue storm swirls around it, tossing people in the air.

The ROAD to Housing Act Is Law. It Does Not Fix Louisiana's Insurance Problem.

Federal supply measures cannot solve the massive insurance premiums killing local deals, but a properly serviced Bond for Deed can hold the transaction together.

Erik JensenJuly 14, 20265 min read

A blue house sits protected under a large umbrella beside a calendar displaying a sixty-day notice period.

New 60-day cancellation notice protects the seller's collateral

Act 848 doubles the property insurance cancellation notice to 60 days, giving buyers and sellers vital time to protect their real estate collateral.

Erik JensenJune 23, 20265 min read

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Wholesalers Now Have to Escrow 1%

Louisiana’s new Act 807 imposes the kind of third-party escrow discipline on wholesalers that Bond for Deed has utilized for decades.

Erik JensenJune 16, 20265 min read

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Myths

Myth #14: A mortgage denial means the buyer is a bad risk.

A mortgage denial is usually a lending-box problem, not a character judgment, making Bond for Deed a practical alternative for capable Louisiana buyers.

Escrow Services, Inc.June 2, 20265 min read

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Facts

Fact #11: Why Louisiana Banks Stopped Servicing Bond for Deed Contracts

Licensed escrow agents replaced traditional banks in servicing bond for deed agreements, creating a more specialized process for title companies.

Escrow Services, Inc.May 26, 20265 min read

Two blue folders with key and house icons sit on a wooden table in front of a framed picture of a home.

Pick by Who Holds Title, Not by the Document Label

The labels blur on seller-financed deals. Choose between a Bond for Deed, lease purchase, or installment option based on who holds title and equity.

Erik JensenMay 19, 20265 min read

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Myths

Myth #13: "Rent-to-Own Is the Same Thing"

A tenant with a purchase option builds no equity in the property, making a lease purchase a weaker position than a Bond for Deed.

Escrow Services, Inc.May 12, 20265 min read

A blue house on stilts outweighs stacks of gold coins and a rolled document on a large balance scale.

Flexibility

Flexibility #5: Insurance, Not Rates, Is Killing Closings

A Bond for Deed does not bypass insurance, but structuring the transaction properly frees up the cash buyers need for high first-year premiums.

Escrow Services, Inc.April 28, 20265 min read

A large padlock surrounds a neighborhood of houses while a hand presents a single home on a platter.

Half of Mortgages Are Under 4%. Why Free and Clear Sellers Win.

With most homeowners locked into low rates, free and clear sellers are the natural solution for buyers needing seller financing to bypass the banks.

Erik JensenApril 21, 20264 min read

A large navy umbrella shields a blue house on stilts from rain while a person in a yellow raincoat stands nearby.

Why Sellers Must Require Flood Insurance in a Bond for Deed

Because a bond for deed seller retains legal title, uninsured flood damage represents a direct financial risk to their collateral.

Escrow Services, Inc.April 14, 20265 min read

A desk lamp illuminates a key resting on a stack of books, with a house by the water in the background.

Owner Financing Is How the Next Generation of Buyers Gets In

Conventional lending is shutting out younger buyers, but sellers who offer a Bond for Deed or private mortgage can set their own down payment rules.

Erik JensenApril 7, 20265 min read