are balloon payments permitted under Dodd-Frank owner financing?

Yes.. Dodd-Frank puts a definition on what a "Qualifying" and "Non-Qualifying" (or QM & Non-QM) mortgage is.. restrictions are much less if a lender originates a loan that is QM compliance.. it's easier to sell on the open market and has less long term liability.. Non-QM loans are still originated, and balloon payment financing would fall under this category.. they are legal and allowable.. but would be funded and held within a lenders own portfolio and most likely would not be sold.. as far as owner financing, pretty much everything is allowable so long as it's disclosed to you in advance, and the appropriate paperwork and disclosures are filled out and signed correctly.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

yes, but why are you asking? For example, a construction loan to build a home often has a baloon, as does a HELOC.

yes

The simple answer is yes.

yew, however you don't see them often unless it is a niche loan such as a construction or home equity

Simple answer is yes.

Yes they are