The Fastest Way to Sell Your Home Without a Realtor
February 13, 2025
Sell your home fast without a realtor. Learn the quickest ways to skip agent fees, avoid delays, and close stress-free.
Creative Finance
Learn Options Available Buying & Selling
Orca Strategic Group consults with you first to go over your best options.
Creative financing offers flexible solutions for both buyers and sellers, making real estate transactions more accessible and beneficial. Learn how strategies like Subject-To (SubTo) and Seller Financing can provide significant advantages.
Benefits of Creative Financing
- Low or No Bank Qualification – Buyers can acquire properties without relying on traditional bank loans, making it easier for those with limited credit or self-employed income.
- Minimal Upfront Costs – With SubTo, buyers take over existing loans, often reducing the need for large down payments, while seller financing allows for negotiable terms.
- Faster Closings – Without bank approvals or lengthy underwriting, deals can close much quicker, helping sellers offload properties efficiently and buyers secure assets faster.
- Higher Selling Price for Sellers – By offering seller financing, sellers can attract more buyers, potentially securing a higher sale price while earning interest over time.
- Win-Win for Distressed Properties – Homeowners facing foreclosure can avoid damaging their credit by transferring payments through SubTo, while investors gain properties with built-in financing.
These strategies open doors to more real estate opportunities, benefiting both parties through creative, flexible deal structures.
Types of Creative Financing
A Straight Subject-To (Cash-To-Loan)
A straight subject-to deal simply includes the seller’s loan balance plus any additional cash from the buyer to equal the agreed-upon purchase price. Let’s say two parties — buyer and seller — agree that the purchase price for a home will be $150,000. The seller still owes $100,000 on their home loan. The buyer will take over those mortgage payments in a subject to deal and will pay $50,000 in cash to the seller (the difference between the purchase price and the loan balance).
Why Would A Seller Agree To A Subject-To?
A subject-to deal can help provide a quick solution to whatever problem they face. The deal usually happens relatively fast, with no buyer financing on the line. In addition, sellers may be motivated by the possibility of improving their own credit. Buyers pay agents fees. Also with a subject-to, a seller could avoid foreclosure and rebuild credit, since the mortgage (which the buyer is paying) is still in their name.
Our Value
Your housing needs deserve the best care of a specialist
At Orca Strategic Group, we believe every homeowner deserves a customized solution that fits their unique situation. That’s why we start with a free, no-obligation consultation to understand your needs, whether you’re facing foreclosure, need to sell quickly, or want to explore creative financing options. Our team will carefully assess your property and financial goals to present the best available options, whether it’s a cash offer, seller financing, or a subject-to (SubTo) deal. We’re here to guide you through the process with transparency and expertise, ensuring you make the right decision for your future.
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