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[Music] evans with us in winston-salem hi evan welcome to the ramsey show hi dave how are you better than i deserve whats up um well me and my wife uh were on baby step 3b trying to stay for a house and uh weve got a chance to buy a house um from a family member um shes my wifes cousin and uh not really like a close family but theyre offering it to us at um 3.5 interest on a 15-year fixed rate owner financing and ive called around to the banks the best that i can do is probably around four or a little over four and so we me and my wife were longtime listeners and we just wasnt sure about owner finance center if that was a safe thing to do owner financing is as safe as anything else if you have a good attorney draft they equip draft the uh documents its not a land contract its an actual mortgage and the deed of the house goes into your name yes okay theres no land contracts at all we dont do those okay now the downside of the whole scenario youre giving the the other the o
