It might be good to look at other methods of financing. A good mortgage broker will know of several alternatives. A knowledgeable real estate agent will know several lenders and the different programs available.
Is there a reason you are looking for owner financing? I'd be happy to answer any questions you have. Feel free to contact me. Kimberly McIntosh, Coldwell Banker McMahan. 502-541-1215. firstname.lastname@example.org, http://www.kimberlymcintoshhomes.com, http://www.facebook.com/kimberlymcintoshhomes