Frequently Asked Questions

About Creative Financing

Creative Financing FAQs

Creative financing refers to alternative ways to buy or sell real estate without relying on traditional bank loans. This includes seller financing, lease options, subject-to deals, and other flexible arrangements that benefit both buyers and sellers.

With seller financing, the seller acts as the lender and allows the buyer to make monthly payments instead of securing a traditional mortgage. This can be beneficial for sellers who want to earn interest on their property while selling faster and for buyers who may not qualify for conventional financing.

A "subject-to" deal means the buyer takes over the seller’s existing mortgage payments without officially assuming the loan. The original loan remains in the seller's name, but the buyer controls the property and makes payments, often helping sellers avoid foreclosure.

  • Sell a property quickly, even if it hasn’t sold through traditional methods
  • Avoid foreclosure or short sales
  • Receive passive income through monthly payments (if seller financing is used)
  • Potentially sell for a higher price by offering financing flexibility

It depends on the structure of the deal. If you sell with owner financing, you still hold the legal note. In a subject-to deal, ownership transfers to the buyer, but the loan remains in your name. Each situation is structured based on the best outcome for you.

About Foreclosure

Foreclosure FAQs

If you're behind on payments or facing foreclosure, contact us as soon as possible. We can help explore solutions such as loan modifications, short sales, or creative financing strategies to stop foreclosure and protect your credit.

Yes! You can sell your home before the foreclosure is finalized. We specialize in working with homeowners to find buyers or alternative financing options to help you avoid foreclosure and walk away with the best possible outcome.

We offer multiple solutions tailored to your situation, including:

  • Buying your home for cash
  • Taking over your mortgage payments
  • Structuring creative financing solutions to satisfy your lender and stop foreclosure

A foreclosure will negatively impact your credit for years and make it difficult to get another mortgage in the future. You may also lose any equity in your home. Acting quickly can help you avoid these consequences.

Depending on the deal structure, you may be able to negotiate a leaseback option or other agreements that allow you to remain in your home temporarily while transitioning to new housing.

About Selling

Selling Your House with Orca Strategic Group FAQs

  • No commissions or fees (traditional agents charge 5-6%)
  • No waiting for buyers – we provide direct solutions
  • Sell in as-is condition – no repairs needed
  • Faster closing – we close in weeks, not months

Not always! Depending on the agreement, we may offer flexibility, including a leaseback option or a delayed move-out period to give you time to transition.

Yes! We specialize in creative financing solutions that allow you to sell even if you have little or no equity, preventing financial hardship or foreclosure.

We buy:

  • Single-family homes
  • Multi-family properties
  • Distressed properties
  • Homes in pre-foreclosure
  • Rental properties with tenants

If you need a fast, hassle-free sale or are facing financial difficulties, we can help. We offer tailored solutions and free consultations to discuss your options.

About Working With Us

Working With Orca Strategic Group FAQs

  • We provide homeowners with alternative selling solutions, including cash offers, creative financing options, and foreclosure prevention strategies. Our goal is to find the best outcome based on your needs.

No! We buy properties in as-is condition, meaning you don’t need to spend time or money on repairs or renovations.

We can close in as little as 7-14 days for cash offers and within 30 days for creative financing deals. The timeline depends on your situation and needs.

No. Unlike traditional real estate transactions, we don’t charge agent commissions or hidden fees. Our goal is to make selling your home simple and cost-effective.

Just contact us for a free consultation. We’ll discuss your situation, evaluate your property, and present the best options to help you move forward.

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