bds
|
ba
|
sqft
ac lot
|
car garage
|
|
Homes with Seller Financing in Bloomington, Utah
Bloomington sits on the south side of St. George, tucked between the Virgin River and the black lava ridges off Navajo Drive, and it's one of the older established neighborhoods in Washington County. A lot of the housing stock dates to the 1970s and 80s, which means a meaningful share of owners have held their homes for decades and own them free and clear. That ownership profile is exactly why seller financing comes up here more often than in newer subdivisions further north — when a seller doesn't owe a bank, they have the freedom to carry the paper themselves and collect monthly payments instead of a lump sum.
For buyers, owner-carry deals in Bloomington can solve real problems: self-employed income that conventional underwriters struggle with, a recent move to Utah without two years of local tax returns, or simply wanting to skip the appraisal gymnastics on an older custom home near the golf course. Rates and terms are negotiated directly with the seller, so a motivated owner on a quiet cul-de-sac off Man-O-War Road may write a note at terms no credit union will match. The trade-off is usually a larger down payment and a balloon date five to seven years out. Browse the active seller-financed listings below to see what Bloomington owners are currently willing to carry, and reach out if you want help structuring an offer or vetting the terms on a specific property.
April 2026 · Bloomington market
Live from the Utah MLS — what's actually happening in Bloomington right now.
Median sale
$423,001
1 closed in April 2026
Median DOM
19 days
listing → contract
Sale-to-list
98.8%
of final list price
Unsold inventory
3
active + pending
2 matching · page 1 of 1
Active listings
Prefer the map?
See all 2 seller financing homes on a map
Pan around Bloomington and refine by drawing your own boundary.
Common questions
About seller financing homes in Bloomington.
What does seller financing mean in a Bloomington home sale? ▾
Seller financing means the homeowner acts as the lender instead of a bank. You sign a promissory note and trust deed with the seller, make monthly payments directly to them, and take title at closing. Terms — rate, down payment, length, balloon — are negotiated between the two parties rather than dictated by a lender's underwriting box.
Why would a Bloomington seller offer financing instead of cashing out? ▾
Several reasons show up around here. Some owners hold properties free and clear after decades in St. George and prefer steady monthly income at a better rate than a CD or bond. Others want to spread capital gains over multiple tax years, and a few are trying to move a property that appraises tight or has quirks (older Bloomington Hills homes, large acreage off Navajo Drive) that make conventional financing slow.
What rates and down payments are typical on seller-financed deals here? ▾
It varies widely, but most Bloomington seller-financed notes we see land between 6% and 8% with 10% to 25% down and a 3-to-7-year balloon amortized over 30 years. Sellers with no mortgage have more flexibility than those still carrying a loan. Everything is negotiable — we've closed deals at 5.5% and others at 9%.
Can a seller offer financing if they still have a mortgage on the home? ▾
Technically yes, through a wrap-around or subject-to structure, but the seller's existing loan almost always contains a due-on-sale clause the lender can call. Most Bloomington sellers who offer financing own the home outright. If the seller still has a loan, get a real-estate attorney involved before signing anything.
How many seller-financed listings does Bloomington usually have active? ▾
It's a thin slice of the market — often just a handful at any given time across Bloomington, Bloomington Hills, and the Hills South area combined. The list below shows current active listings advertising seller financing or owner-carry terms. Inventory turns quickly when rates are high, so check back if nothing fits today.
Do I still need an inspection, appraisal, and title insurance? ▾
Yes on all three, and don't skip any of them. Use a licensed title company to handle the closing, record the trust deed, and issue a policy. Bloomington has pockets of expansive soil and older homes from the 1970s and 80s near the Virgin River bluff, so a thorough inspection matters as much here as on a bank-financed purchase.