You become the bank
Seller Financing (Installment Sale)
You keep your full asking price and collect a monthly payment instead of a lump sum. The house is sold; the income isn't done.
What it is
Instead of a bank lending us the money, you do. We give you a down payment and then pay you every month, with interest, until the balance is paid off.
It's called an installment sale because the price comes to you in installments instead of all at once. It's written up by a title company and recorded, just like any other sale.
Things to know (the honest part)
- You're waiting for your money instead of getting it all today. If you need cash now, this isn't your path.
- You hold a lien on the property, so there is a legal process if payments stop — but it is a process, and it takes time.
- Tax treatment depends entirely on your situation. We are not tax advisors. Please have your CPA look at it before you agree to terms.
Quick questions
Keep comparing
Other ways worth a look
Cash Sale
The only option most sellers ever hear about — and the one that pays the least. Worth taking when a firm date matters more than the last dollar.
Loan Takeover (Subject-To)
Your 3% mortgage can be worth more than your equity. Here we keep that loan alive and take over the payments, so you stop paying without taking a price cut.
Novation (Partner Sale)
The repairs get done and you never write a check for them. Your number is agreed before the first crew shows up, and the deed stays yours until closing.
Let's find the way that actually solves your problem.
Tell us about your house and your timeline. We'll lay out every option side-by-side — including the ones that don't involve us.