Frequently Asked
Questions

Creative financing refers to non-traditional ways of structuring a real estate purchase — like Subject-To or Seller Finance — that avoid the delays, conditions, and uncertainty of conventional bank-financed sales.

Yes. Both Subject-To and Seller Finance transactions are legal when properly disclosed and documented. Every deal closes through a licensed title company or closing attorney with a state-approved Purchase and Sale Agreement.

In a Subject-To deal, we take over the seller's existing mortgage payments while the loan stays in the seller's name. In Seller Finance, the seller acts as the lender — receiving a down payment and either monthly payments or a deferred lump sum. Both options are handled through a licensed title company.

In a Subject-To, the loan remains on the seller's credit. On-time payments should preserve their credit history. In Seller Finance, the existing mortgage is paid off at closing, so it's removed from their credit entirely.

Most loans include a due-on-sale clause that gives the lender the right to call the loan due if the property is transferred. While the clause exists in most loan agreements, lenders rarely enforce it as long as payments are being made on time. We are transparent about this with every seller and structure our deals to mitigate risk through timely payments and refinancing timelines.

Listing-side commission is handled according to the seller's existing listing agreement. We represent ourselves as the buyer — there is no buyer's agent commission to negotiate.

We pay all closing costs, title insurance, and transaction fees. The seller's only expense is their own listing agent commission — nothing else out of pocket.

For Subject-To transactions, payments can be tracked through third-party loan servicing to provide documentation for both parties. For Seller Finance, payment terms are outlined in the recorded Promissory Note.