🏡 Owner Financing – No Bank Needed! City of CELESTE.
104 N 6thSt Celeste, Tx 75423
4/2 Single Family, 1,520 sq ft. .277 acres
💵 Estimated Monthly Payment
💲 Price: $175,000
💰 Down Payment: $15,000 (may accept less)
📅 Term: 30 years (360 months)
📈 Initial Interest Rate: 9.99% fixed for the first 5 years
🔄 Adjustments: Every 5 years thereafter to the CFPB-published 30-year Average Prime Offer Rate (APOR) + 6%, never below 9.99%
📊 Current 30-year APOR: 6.54% (as of 8/13/25)
💡 Example: Based on today’s APOR, your rate could be as high as 12.54% at year 5, making your monthly principal & interest payment $1,713, plus estimated taxes and insurance of $415 for a total of $2,128 /month.
💸 No Origination Fee – No Prepayment Penalty
⚠ Important: This is an adjustable-rate mortgage. The interest rate and payment may increase after the initial 5-year period. Rate changes are based on the CFPB-published 30-year APOR plus 6%, with a floor of 9.99%. Buyer qualification required.
📲 Message me for details or to schedule a showing!
Sage Grove Investments LLC (NMLS# 1807595, mortgage company license)
- 5900 South Lake Forest Drive Suite # 300 | McKinney, TX | 75070.
Geoff Hargrove (NMLS# 1110669, mortgage loan originator license)
- 214 592 5022, SageGroveInvestments@gmail.com