Last updated: February 25, 2026
Please read these terms carefully before using LendingOwner.
Important Disclaimer: LendingOwner is a technology marketplace platform only. We are not a lender, mortgage broker, real estate agent, or financial advisor. We do not originate, fund, or service loans. All transactions occur directly between buyers and sellers. Consult qualified legal, financial, and real estate professionals before entering any owner financing agreement.
By accessing or using LendingOwner ("Platform", "we", "us", "our"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this platform. We reserve the right to modify these terms at any time with notice posted on the platform.
LendingOwner provides an online marketplace connecting property sellers who offer owner financing with prospective buyers. We provide the technology infrastructure to facilitate connections between parties but are not a party to any transaction, loan, or property transfer. We make no guarantees about the accuracy of listings or the suitability of any property or financing arrangement.
Creating and publishing property listings on LendingOwner is free of charge. Sellers may list their properties at no cost and receive buyer inquiries at no cost. Free listings appear in standard search results based on relevance and recency. LendingOwner reserves the right to modify free listing terms with advance notice.
LendingOwner offers a paid "Featured Listing" subscription service at $9.99 per month per listing. Featured listings receive priority placement at the top of search results and category pages. Featured status is applied immediately upon successful payment and remains active for the duration of the subscription. Featured listings are subject to the same content policies as free listings. LendingOwner does not guarantee a specific number of views, inquiries, or leads as a result of featured placement. Featured listing pricing is subject to change with 30 days advance notice to active subscribers.
All payments are processed securely through Stripe, Inc. By subscribing to a paid service, you authorize LendingOwner to charge your payment method on a recurring monthly basis. Payment is due at the start of each billing period. Prices are listed in US dollars and are exclusive of any applicable taxes. You are responsible for providing accurate and current payment information. Failed payments may result in immediate suspension of featured listing status. LendingOwner does not store your credit card information — all payment data is handled by Stripe in accordance with PCI DSS compliance standards.
You may cancel your Featured Listing subscription at any time with no cancellation fees or penalties. To cancel, go to your Dashboard and click "Manage Subscription." Upon cancellation, your featured listing status will remain active until the end of the current billing period, after which it will revert to standard free listing status. Cancellations take effect at the end of the current billing cycle. No partial refunds are issued for unused days in a billing period. You will not be charged for the following month after cancellation.
All subscription payments are non-refundable except where required by applicable law. If you believe you were charged in error, contact us at support@lendingowner.com within 7 days of the charge. We will investigate and issue a refund if the charge was made in error. Refunds for duplicate charges will be processed within 5-10 business days. We do not offer prorated refunds for partial months. If LendingOwner discontinues the Featured Listing service, subscribers will receive a prorated refund for any unused paid period.
You must create an account to list properties or contact sellers. You are responsible for maintaining the confidentiality of your account credentials. You must provide accurate and current information when creating your account. You may not create multiple accounts, share accounts, or use another person's account. We reserve the right to suspend or terminate accounts that violate these terms, engage in fraudulent activity, or post false or misleading listings.
All listings must accurately represent the property being offered. Prohibited content includes: false or misleading information, properties you do not own or have authority to sell, illegal properties or transactions, discriminatory language in violation of Fair Housing laws, spam or duplicate listings, and content that violates any applicable law. We reserve the right to remove any listing that violates these policies without refund of any paid fees.
LendingOwner is committed to Fair Housing. It is illegal to discriminate in the sale, rental, or financing of housing based on race, color, national origin, religion, sex, familial status, or disability. All users of this platform must comply with the Fair Housing Act, Equal Credit Opportunity Act (ECOA), and all applicable state and local fair housing laws. Listings containing discriminatory language will be immediately removed and the account may be terminated.
Owner financing transactions must comply with all applicable federal and state laws, including but not limited to: the Dodd-Frank Wall Street Reform Act (which may require seller compliance with SAFE Act licensing requirements for frequent seller-financers), the Truth in Lending Act (TILA), Regulation Z, and state-specific owner financing laws. Users in Texas, California, Florida, and other states with specific owner financing regulations are responsible for compliance with those regulations. LendingOwner provides no legal guidance on compliance.
The platform is provided "as is" without any warranties, express or implied. LendingOwner does not warrant that listings are accurate, complete, or current. We do not verify the identity of users, the accuracy of listings, or the legitimacy of financing offers. Use of this platform is at your own risk. LendingOwner is not responsible for any losses arising from transactions made through the platform.
To the maximum extent permitted by law, LendingOwner shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, lost data, or business interruption, arising from your use of the platform. Our total liability for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.
You agree to indemnify and hold harmless LendingOwner, its officers, directors, employees, and agents from any claims, damages, or expenses (including reasonable attorney fees) arising from your use of the platform, your listings, your transactions with other users, or your violation of these terms.
Your use of LendingOwner is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the platform, you consent to our collection and use of your data as described in the Privacy Policy.
LendingOwner respects intellectual property rights. If you believe content on our platform infringes your copyright, send a DMCA takedown notice to support@lendingowner.com. Our designated DMCA agent is reachable at support@lendingowner.com. Include: identification of the copyrighted work, identification of the infringing material and its location, your contact information, a statement of good faith belief, and your signature.
These terms are governed by the laws of the United States. Any disputes arising from these terms or your use of the platform shall be resolved through binding arbitration in accordance with the American Arbitration Association rules. You waive your right to a jury trial and to participate in class action lawsuits. This does not prevent either party from seeking injunctive relief in court.
For questions about these Terms of Service, payment disputes, cancellations, or refund requests, contact us at support@lendingowner.com. We aim to respond within 2 business days.
Questions? Contact us at support@lendingowner.com — we respond within 2 business days.
LendingOwner is an independent online marketplace that connects buyers and sellers of owner-financed real estate. We are not a lender, mortgage broker, loan originator, real estate broker, agent, financial institution, escrow company, or legal advisor. We do not originate loans, determine creditworthiness, negotiate financing terms, or participate in real estate transactions.
Any financing terms displayed on this Platform are provided solely by property sellers. LendingOwner does not verify, approve, or guarantee financing terms and does not evaluate borrower eligibility. Users are responsible for ensuring that any financing arrangement complies with applicable federal, state, and local lending laws.
LendingOwner does not verify property ownership, title status, liens, property condition, or legal compliance of any listing. Buyers are responsible for conducting independent inspections, title searches, and legal review. We strongly recommend consulting a licensed real estate attorney before any transaction.
LendingOwner is committed to compliance with the Fair Housing Act and all applicable anti-discrimination laws. Users may not post listings that discriminate based on race, color, religion, sex, disability, familial status, national origin, or any other protected characteristic. Violations may result in listing removal and account suspension.
Never wire money or send funds without verifying property ownership and title status. LendingOwner will never request payment outside the Platform for property transactions. Report suspicious activity to support@lendingowner.com
LendingOwner does not guarantee the accuracy, completeness, or reliability of any listing or user profile. We do not endorse or validate any user, seller, buyer, property, or financing arrangement. All interactions and transactions occur at your own risk.
Compliance Responsibility: Users are solely responsible for ensuring their listings and transactions comply with all applicable federal, state, and local laws, including the Dodd-Frank Act, SAFE Act, TILA, ECOA, and all state-specific real estate and lending regulations. LendingOwner does not provide compliance guidance. All transactions occur directly between users.
© 2026 LendingOwner. Technology marketplace platform. Not a lender or broker.