Offer terms instead of another price cut. When buyers cannot qualify at today's rates, a buyer like Golden Path Homes can take over your seller's existing low-rate mortgage or buy on seller financing. It closes at a title company, the payments run through a third-party servicer, and your commission is paid per the listing agreement.
The buyer pool shrinks when rates rise. A house priced right can still sit because the payment on a new loan is more than local buyers qualify for, and a price cut big enough to fix that eats your seller's equity. Many sellers also hold a loan from a lower-rate year, which is worth more to the right buyer than another reduction.
You send us the address, the loan balance, rate and payment, and what your seller needs to walk away with. We send written terms. If your seller agrees, the deal closes at a title company of your choice, the deed is recorded with the county, and every payment runs through a third-party loan servicer so your seller has an independent record. Your commission is paid per the listing agreement. What a subject-to sale is is a page you can send your seller.
In a subject-to sale the loan stays in the seller's name until it is paid off or refinanced, and most mortgages carry a due-on-sale clause. Both belong in the written agreement, and your seller should hear them from you plainly. In a seller-financed sale, the seller is the bank: they collect payments, and the note is secured by the house. Our side is clear terms in writing, a title company closing and a servicer on every payment. We buy as is and can close in as little as 14 days. Send us a listing.
Tell our team about the house and the loan. No commissions, no repairs, and a closing in as little as 14 days.
Yes. It is paid per your listing agreement at the title company closing.
Houses that have sat with few showings, sellers with a low-rate loan or little equity, and free and clear sellers open to monthly income.
We buy in several states. Send the address and we will tell you quickly.