Owner financing (A.K.A. seller financing, owner carry-back, seller take-back) however, is an agreement in which the seller of a property agrees to provide (all or part of) the financing to the buyer for the purchase of that property.When to Use it.Any time you want to!sk a seller to give you owner financing to purchase the home he has for sale and most likely you will get a No. Sellers for the most part automatically reject the suggestion of owner financing because no one has explained that option to them as a way to sell their home.