Creative Financing
Sell With Terms: Turn Your Equity Into Income
Instead of one check at closing, you receive payments over time — often at or above full market price, with tax advantages and monthly income.
- Best for:
- Free-and-clear or low-mortgage owners, landlords retiring, sellers who want maximum total price
- Timeline:
- 2–4 weeks to structure
- Proceeds:
- Often the highest total payout of any option
If you don't need every dollar on day one, selling with terms (seller financing, or taking over payments on an existing mortgage) can put more total money in your pocket than any other exit — often full price or better, because you're providing the financing that makes the deal work.
For retiring landlords it's especially powerful: keep the monthly income, lose the tenants, toilets, and 3am calls. Installment sales can also spread capital gains over years instead of one tax bill (confirm specifics with your accountant).
Every structure is documented by a real estate attorney, secured against the property, and serviced professionally — this is standard, legal, and safer than most sellers assume when it's papered correctly.
Not sure which path fits? Start with how it works — or just request your options and we'll show you all of them.
| Cash Offer | Novation Sale | List With Us | |
|---|---|---|---|
| Timeline | As fast as 14 days | 60–120 days | 30–90 days |
| You pay for repairs | Never | Never — we fund them | Sometimes (prep/staging) |
| Fees & commissions | $0 | $0 out of pocket | Standard commission |
| Certainty | Guaranteed | Guaranteed number in writing | Backed by our guaranteed cash offer |
| Typical proceeds | Good | Better — usually beats any cash offer | Best for retail-ready homes |
Frequently Asked Questions
What if you stop paying?
You're secured by the property itself — like a bank. Miss payments, and you take the house back and keep everything paid so far. Attorney-drafted docs, recorded liens, professional loan servicing.
I still have a mortgage. Can I sell with terms?
Often yes — structures like wrap financing or subject-to can work with an existing mortgage. Whether it's right depends on your loan and goals; we'll walk through it plainly.
Why would I get a higher price this way?
Financing is worth money. When you carry the financing, we can pay closer to (or above) retail because there's no bank, no points, and no investor discount in the middle.
Ready to see every option for your house?
Cash offer, novation, terms, or a top-dollar listing — see them side by side. A real local person — not a call center — calls or texts you within 15 minutes, 7 days a week.
Or call/text now: (856) 350-4733