Creative Financing Options for Sellers

Understand how loan assumption can help you sell with your rate intact.

Sell your house and pass your low rate on to the next buyer.

VA loans are often assumable — here's what that means for sellers.

FHA loans can be assumed by a qualifying buyer — here's how.

USDA loans in rural areas may be assumable — here's what applies.

What actually happens, step by step, when a buyer assumes a loan.

Whether an investor-buyer can assume your existing loan.

Sell with your mortgage left in place — here's how subject-to works.

A plain-English explainer on what a subject-to sale actually is.

What a due-on-sale clause means for assumption and subject-to deals.

Options for selling without giving up a below-market rate.

Estimate the payment savings of assuming a below-market rate.

What to weigh before agreeing to a subject-to sale structure.

How acting as the lender for your own sale actually works.

Sell to a buyer who pays you directly, not a bank.

Carrying part of the sale price yourself as a note.

Financing a sale on top of your existing underlying loan.

Selling via installment contract instead of a traditional deed.

Renting now, with the right to buy later, explained for sellers.

A path to selling to a tenant who isn't ready to buy yet.

How spreading a sale over time can also spread out taxes owed.

What a balloon payment is and when one shows up in a sale.

Cashing out a note you're currently carrying for a buyer.

Turn a note you hold into a lump-sum cash payment.

Comparing a financed payout against an immediate cash close.

What can go wrong when you carry the financing yourself.

A general overview of California's owner-financing disclosure rules.

Bridging the land-buyer financing gap with owner terms.