We’ll walk you through how owner financing works, how it can help you as a buyer or seller and how to structure an owner-financed deal. That said, owner-financed homes can be complex and necessitate a written agreement—so it’s important to understand the process before signing on the dotted line. H.R.4173 — Dodd-Frank Wall Street Reform and Consumer Protection Act. You may enter a US or Canadian location in the following formats: You may enter a US or Canadian location in the following formats: U.S. Find Owner Financed Properties for sale at.