Seller financing is an agreement in real estate where the seller handles the mortgage process rather than a financial institution. Customarily, you will have a PSA as usual that will outline seller financing terms rather than cash or financing terms.I received an offer for a property I have in Hillsborough county. It includes a financing agreement. Use this free customizable owner financing contract template to confirm financing between the owner selling a home and a buyer purchasing it. 2.2 Seller Financing.