U.S. Mortgage Spread vs 10-Year Treasury | “Your dream home, guided by a local team you can trust.”

Land contracts—there were 715,000 recorded nationwide—are often used when buyers can’t qualify for a traditional mortgage. As a team that’s spent years helping families navigate financing options, we know these contracts tend to show up most with low-cost homes, manufactured housing, rural properties, and older fixer-uppers—places where standard mortgage options are harder to secure. Research makes it clear: when access to mortgages improves, reliance on land contracts drops, opening up safer paths to homeownership.

We’re big believers in expanding opportunities, whether that’s through better access to small mortgages, modernizing the way manufactured homes are titled, or supporting renovation lending so more buyers and homes can fit traditional lending guidelines. While land contracts will likely stick around, they come with fewer legal protections for buyers. That’s why clear standards, stronger recording rules, and better buyer safeguards matter so much. Our mission is always to guide clients transparently—making sure you understand every option so your journey to homeownership is as secure as possible.