Cheryl
Any owner that has substantial equity in their home may entertain owner financing. Holding a short term loan such as a balloon mortgage may be very attractive to an owner as they could make 6% on their money and offset their capital gains. So, present your terms, 'owner financing' to every owner as they may like what they hear.

First of all, I just wanted to say that you should always work with a Realtor, this way you'll have a licensed professional looking after your interests.

Regarding your question, aside from your Realtor providing you with a list of properties that offer seller financing and probably finding ads occasionally that says so, I don't know how else. I can't wait to hear from others as well.

Also, I heard - at least in California - that seller financing (or carryback) is no longer allowed, which WAS why programs such as the Nehemiah Program were the only option available for buyers who have no money for downpayment. Notice, the word I used was "WAS" and it's all caps. This is because on July 23, 2008, The House of Representatives signed H.R. 3221. President Bush is expected to sign this into a law and would shut down this assistance program.

Read more about H.R. 3221 here: http://www.getdownpayment.com/updates/legislativeinfo.asp