{"id":4531,"date":"2023-06-27T06:11:12","date_gmt":"2023-06-27T11:11:12","guid":{"rendered":"https:\/\/riverbankfinance.com\/blog\/?p=4531"},"modified":"2025-05-30T18:18:20","modified_gmt":"2025-05-30T23:18:20","slug":"how-to-refinance-a-land-contract-what-homeowners-must-know","status":"publish","type":"post","link":"https:\/\/riverbankfinance.com\/blog\/how-to-refinance-a-land-contract-what-homeowners-must-know\/","title":{"rendered":"How to Refinance a Land Contract: What Homeowners Must Know"},"content":{"rendered":"\n<p>If you bought a home with a contract for deed, you may be researching how to <a href=\"https:\/\/riverbankfinance.com\/refinance-my-mortgage-home-loan.html\" title=\"\">refinance a land contract<\/a>. When it comes to real estate, there are several financing options available for both buyers and sellers. One such option is a land contract, which allows for an alternative route to homeownership.<\/p>\n\n\n\n<p>Although this method can be beneficial in certain situations, it&#8217;s essential to be aware of the refinancing options available and the potential disadvantages that may come with a land contract. If you&#8217;re considering a land contract, read on to learn how to refinance it, address potential risks, and explore other financing alternatives.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"How to refinance a Land Contract: What Homeowners MUST know\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/m6S1hK6LbwA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What is a Land Contract?<\/h2>\n\n\n\n<p>A <a href=\"http:\/\/www.legislature.mi.gov\/(S(5hrorz4pur4winvksmmbusau))\/mileg.aspx?page=getObject&amp;objectName=mcl-565-361\" title=\"\">land contract<\/a>, also known as a contract for deed or an installment sale agreement, is an owner-financed arrangement between a buyer and seller in which the seller finances the purchase direct. This means that the buyer makes regular payments to the seller instead of taking out a traditional mortgage from a bank or lending institution.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/land-contract-definition.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"572\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/land-contract-definition-1024x572.png\" alt=\"\" class=\"wp-image-4540\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/land-contract-definition-1024x572.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/land-contract-definition-300x168.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/land-contract-definition-768x429.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/land-contract-definition-1536x858.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/land-contract-definition.png 1623w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>Other types of seller financing include Rent-to-own and private mortgages. A rent to own would allow a person to rent a property and get credit towards a purchase down payment. Privates mortgages are simply where the seller of the property (or a private party) would act as the lender. A private mortgage would be refinancing just the same as any other home loan.<\/p>\n\n\n\n<p>In most cases, land contracts are short-term financing agreements that span about three to five years, after which the buyer is expected to secure a traditional mortgage to cover the remainder of the purchase price. This approach can be helpful for buyers who may not qualify for a conventional mortgage due to credit issues or other financial limitations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the steps to refinancing a land contract?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/steps-to-refinance-a-land-contract.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"447\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/steps-to-refinance-a-land-contract-1024x447.png\" alt=\"\" class=\"wp-image-4541\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/steps-to-refinance-a-land-contract-1024x447.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/steps-to-refinance-a-land-contract-300x131.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/steps-to-refinance-a-land-contract-768x335.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/steps-to-refinance-a-land-contract-1536x671.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/steps-to-refinance-a-land-contract.png 1626w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>Refinancing a land contract allows the buyer to replace the current financing arrangement with a new mortgage from a traditional <a href=\"https:\/\/riverbankfinance.com\/\" title=\"\">mortgage lender<\/a>. This can help reduce the interest rate, increase the loan term, and eventually, lead to full ownership of the property. <\/p>\n\n\n\n<p><strong>Follow these steps to refinance your land contract:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/review-land-contract-terms.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"390\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/review-land-contract-terms-1024x390.png\" alt=\"\" class=\"wp-image-4542\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/review-land-contract-terms-1024x390.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/review-land-contract-terms-300x114.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/review-land-contract-terms-768x292.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/review-land-contract-terms-1536x584.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/review-land-contract-terms.png 1622w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>1) Review your current land contract terms: Ensure that you meet your contractual obligations and that you&#8217;re eligible for refinancing. Some land contracts may have a prepayment penalty or specify a certain time frame before refinancing is allowed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/assess-your-credit-2.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"355\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/assess-your-credit-2-1024x355.png\" alt=\"\" class=\"wp-image-4543\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/assess-your-credit-2-1024x355.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/assess-your-credit-2-300x104.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/assess-your-credit-2-768x266.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/assess-your-credit-2-1536x532.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/assess-your-credit-2.png 1617w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>2) Assess your credit and financial situation: Check your credit score and resolve any outstanding credit issues that could hinder your ability to qualify for a mortgage. Use resources like <a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/buying-a-home-with-bad-credit.html\">refinancing with bad credit<\/a> to help improve your financial standing and prepare for the refinancing process.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/shop-mortgage-rates-with-a-mortgage-broker.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"524\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/shop-mortgage-rates-with-a-mortgage-broker-1024x524.png\" alt=\"\" class=\"wp-image-4544\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/shop-mortgage-rates-with-a-mortgage-broker-1024x524.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/shop-mortgage-rates-with-a-mortgage-broker-300x154.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/shop-mortgage-rates-with-a-mortgage-broker-768x393.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/shop-mortgage-rates-with-a-mortgage-broker-1536x786.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/shop-mortgage-rates-with-a-mortgage-broker.png 1618w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>3) Shop mortgage rates with a Mortgage Broker: Reach out to multiple lenders and compare the rates and terms they offer. Don&#8217;t forget to consider various mortgage types, including <a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/fha-mortgage.html\">FHA loans<\/a> and <a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/conventional-mortgage.html\">conventional mortgages<\/a>, to choose the one that best suits your needs.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/prepare-documents-4.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"380\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/prepare-documents-4-1024x380.png\" alt=\"\" class=\"wp-image-4545\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/prepare-documents-4-1024x380.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/prepare-documents-4-300x111.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/prepare-documents-4-768x285.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/prepare-documents-4-1536x570.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/prepare-documents-4.png 1625w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>4) Prepare necessary documents: Gather proof of income, tax returns, credit reports, and documentation of your land contract payments. Your lender will need these to process and approve your mortgage application.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/apply-for-a-mortgage.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"384\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/apply-for-a-mortgage-1024x384.png\" alt=\"\" class=\"wp-image-4546\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/apply-for-a-mortgage-1024x384.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/apply-for-a-mortgage-300x112.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/apply-for-a-mortgage-768x288.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/apply-for-a-mortgage-1536x576.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/apply-for-a-mortgage.png 1622w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>5) Apply for a new mortgage: Once you have all the necessary documents, submit your application to the lender. Be prepared to answer any additional questions they may have and provide any required documentation.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/close-on-refinance-loan-6.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"527\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/close-on-refinance-loan-6-1024x527.png\" alt=\"\" class=\"wp-image-4547\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/close-on-refinance-loan-6-1024x527.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/close-on-refinance-loan-6-300x154.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/close-on-refinance-loan-6-768x395.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/close-on-refinance-loan-6-1536x790.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/close-on-refinance-loan-6.png 1588w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>6) Close on the loan and pay off the land contract: With the new mortgage approved, you can pay off the land contract and finalize the new mortgage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can you do a cash-out refinance on a land contract?<\/h2>\n\n\n\n<p>Getting a cash-out refinance on a land contract may be possible but it is not an option with the standard forms of financing such as Conventional Loans or FHA Loans.  A cash-out refinance involves taking out a new mortgage that&#8217;s larger than the existing loan amount, enabling you to access the difference as cash. <\/p>\n\n\n\n<p>A portfolio loan or Non-QM Loan may be a viable option if you&#8217;ve built sufficient equity in the property and want to use the funds for significant expenses like home improvements or debt consolidation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does it mean to refinance a land contract?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/term.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"572\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/term-1024x572.png\" alt=\"\" class=\"wp-image-4548\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/term-1024x572.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/term-300x168.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/term-768x429.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/term-1536x858.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2023\/06\/term.png 1622w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>Refinancing a land contract means replacing the original owner-financed arrangement with a traditional mortgage through a bank or lending institution. The process involves paying off the balance of the land contract using the funds obtained from the new mortgage. <\/p>\n\n\n\n<p>The contract for deed agreement usually requires you to refinance or pay off the land contract within a few years. Refinancing can help you secure better loan terms, lower interest rates, and eventually lead to full ownership of the property.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the disadvantages of a land contract?<\/h2>\n\n\n\n<p>Although land contracts can be beneficial in specific circumstances, there are certain disadvantages to consider as well:<\/p>\n\n\n\n<p>a) <strong>Limited financing options: <\/strong>Traditional mortgage lenders may not consider land contract payments as part of your credit history, making it challenging to qualify for a mortgage when it&#8217;s time to refinance.<\/p>\n\n\n\n<p>b) <strong>Less protection for the buyer:<\/strong> If the seller defaults on their mortgage or fails to pay property taxes, the buyer could lose their rights to the property, even if they&#8217;ve been making regular payments.<\/p>\n\n\n\n<p>c) <strong>Potential for unfavorable terms:<\/strong> Since land contracts often cater to individuals with compromised credit, higher interest rates, and unfavorable terms are common.<\/p>\n\n\n\n<p>d) <strong>Loss of investment:<\/strong> If the buyer fails to secure refinancing, they may lose the property, along with any equity gained during the contract period.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Summary of How to Refinance a Land Contract<\/h2>\n\n\n\n<p>Refinancing a land contract can provide numerous benefits, including more favorable loan terms and a path to full ownership. However, it&#8217;s essential to be aware of the potential risks and drawbacks associated with land contracts. <\/p>\n\n\n\n<p>By understanding the refinancing process and exploring various mortgage options, you can make informed decisions. Partnering with a reputable mortgage broker like <a href=\"https:\/\/riverbankfinance.com\/\">Riverbank Finance<\/a> can help guide you through the refinancing process and ensure you make the best decision for your financial situation.<\/p>\n\n\n\n<div class=\"wp-block-contact-form-7-contact-form-selector\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f185-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"185\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/4531#wpcf7-f185-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"185\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f185-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"ApplyFullHeader\" id=\"apply_form\">\n\t<p class=\"replaceheader\">Request Information Now!\n\t<\/p>\n<\/div>\n<div class=\"blueBox\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Name (required)\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email (required)\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone:\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-goal\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"your-goal\"><option value=\"Purchase\">Purchase<\/option><option value=\"Refinance\">Refinance<\/option><option value=\"Cash Out\">Cash Out<\/option><option value=\"More Information\">More Information<\/option><\/select><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your Message:\" name=\"your-message\"><\/textarea><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"referer-page\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text referer-page\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"referer-page\" \/><\/span><br \/>\n\t\n\t<\/p>\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner submit\" type=\"submit\" value=\"Submit Now!\" \/>\n\t<\/p>\n<\/div>\n<div style=\"text-align: justify; color:#666666;font-size: small;\">\n\t<p>By clicking \"Submit Now!\", you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg\/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.\n\t<\/p>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"67\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\n\n\n<p>Call Riverbank today at 1-800-555-2098 or apply online today!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you bought a home with a contract for deed, you may be researching how to refinance a land contract. When it comes to real estate, there are several financing options available for both buyers and sellers. One such option is a land contract, which allows for an alternative route to homeownership. Although this method<a class=\"excerpt-read-more\" href=\"https:\/\/riverbankfinance.com\/blog\/how-to-refinance-a-land-contract-what-homeowners-must-know\/\" title=\"ReadHow to Refinance a Land Contract: What Homeowners Must Know\">&#8230; Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":4534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[307,308,305],"tags":[431,1081,1082,151,125,63],"class_list":["post-4531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fha-mortgage","category-mortgage-tips","category-refinance-2","tag-buying-a-home-2","tag-land-contract","tag-land-contract-refinance","tag-michigan-mortgage-refinance","tag-mortgage-refinance","tag-refinance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts\/4531","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/comments?post=4531"}],"version-history":[{"count":6,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts\/4531\/revisions"}],"predecessor-version":[{"id":4918,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts\/4531\/revisions\/4918"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/media\/4534"}],"wp:attachment":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/media?parent=4531"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/categories?post=4531"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/tags?post=4531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}