Articles-of-Agreement for Deed refers to a type of seller financing which allows the buyer to purchase the home in installments over a specified period of time. The seller keeps legal title to the home until the loan is paid off. The buyer receives an interest in the property — called equitable title — but does not own it. However, because the buyer is paying the real estate taxes and paying interest to the seller, it is the buyer who receives the tax benefits of home ownership.