“Contracts for deed” or “owner financing” arrangements typically require would-be homebuyers to make all repairs, pay property taxes, and repay high-interest loans without the ability to accumulate equity. Because these arrangements do not constitute a mortgage, prospective homebuyers may also be evicted if they fall behind on payments, and sellers are exempt from having to go through the foreclosure process. Purchasers of homes with these contracts currently do not have protections under Georgia law. Georgia Watch supports protecting consumers from “contracts for deed” by passing legislation that requires sellers to provide a certificate of occupancy and make repairs to a property and creates a process more like mortgage foreclosure for the buyer. Representative Debra Bazemore (D – Riverdale) has sponsored House Bill 456 which addresses this problem.