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OHLast updated: 2026-01
Ohio Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Ohio.
Maximum Interest Rate
8%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
8%
Penalty Type
Forfeiture of interest
Notes
General usury rate is 8%. Most real estate loans are exempt.
Business Exemption
Business loans and loans over $100,000 are exempt.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Residential Property Disclosure Form
- Lead-based paint disclosure (pre-1978)
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Ohio Consumer Sales Practices Act
Real Estate Specifics
Foreclosure process and property laws
- Mortgage state (judicial foreclosure)
- Confirmation of sale required
- No statutory redemption after sale
Legal Disclaimer
This information about Ohio regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Ohio attorney before entering into any seller financing arrangement.