The flow chart below is an excellent example of the effect the new regulations have had on seller-financing. Prior to 2008, there were virtually no restrictions to using seller financing to sell real estate. This flow chart is for Washington State specifically, although the left half of the chart refers to regulations at the federal level. This chart is for illustration only. Do not depend on it. We are not giving legal advice. Please consult with your attorney if you have any questions regarding this information. The infinity sign found in various places in the chart are links to the relevent law.