Seller financing offers a high degree of flexibility. Unlike traditional loans, sellers can tailor the purchase price, down payment, and interest rate to match the requirements of prospective buyers. This method is especially attractive to sellers who value consistent monthly income rather than a one-time payment, without the challenges of managing rental properties or businesses.

At Priced Early Companies, we regularly have houses for sale on creative terms that allow prospective buyers flexibility in purchasing. You can browse our current and past seller-financed houses at our For Sale On Terms page.

Subject-to what? Subject-to your underlying loan! When we talk about subject-to transactions, we’re addressing individuals who may be facing financial hardship or unforeseen circumstances, perhaps falling behind on their current loan payments or struggling to sell their home due to insufficient equity. If you find yourself in a situation like this, subject-to transactions could offer a viable solution.

At Priced Early Companies, we specialize in facilitating transactions of this nature. Subject-to transactions involve keeping the existing loan intact, leaving it in the seller’s name while transferring responsibility for mortgage payments to us—Priced Early. This arrangement relieves the seller of the burden of monthly mortgage payments.

One of the key benefits of subject-to transactions is their ability to address various scenarios. For instance, if the seller is in arrears on the loan and can no longer afford it, we step in to catch up on missed payments and continue making them thereafter. Additionally, by maintaining timely payments, sellers can improve their credit score, as they receive credit for both lump sum payments and regular monthly payments.

If subject-to transactions sound like a feasible option for your situation, Priced Early Companies is here to help. We take every situation seriously and are committed to finding the best solution for you. Don’t hesitate to get in touch with us today by filling out our form.

Introducing another creative financing option: Novations. Novations offer a solution when buyers and sellers struggle to agree on price. This flexible arrangement allows for infinite structuring possibilities, serving as a compromise between both parties’ but in the end allows for the parties to achieve exactly what they were looking for.

Buyers can take ownership, renovate the property, and make mortgage payments before listing it for top dollar. This win-win scenario reduces the barrier to entry for buyers and lowers the cost of rehab loans, while sellers achieve their desired price over an average of 4 months. This type of agreement should be viewed as a partnership between both seller and buyer.

Ready to explore Novations? Fill out our form, and let us assist you in finding the perfect solution.

Introducing the Hybrid—a unique and versatile financing option that blends the best of subject-to and seller finance. At Priced Early Companies, we pride ourselves on our ability to tailor solutions to meet the diverse needs of our clients, and the Hybrid model is no exception.

So, what exactly is a Hybrid? Picture this: you have a loan still tied to your property, but you also possess some equity. In this scenario, we step in to purchase the property subject to the existing loan, effectively taking over the mortgage payments. But here’s where the Hybrid shines: we also enter into a seller financing agreement for the equity portion that you, the seller, possess.

This model is ideal for individuals who find themselves in a situation where they have both an existing loan and equity in their property. By leveraging the Hybrid approach, sellers can benefit from the flexibility and advantages of both subject-to and seller finance, creating a tailored solution that meets their unique circumstances.

At Priced Early Companies, we excel in finding innovative solutions, and the Hybrid model is just one example of our commitment to providing comprehensive and effective financing options. If you’re in a situation where a Hybrid financing arrangement could be the answer you’ve been looking for, don’t hesitate to reach out to us. We’re here to help you navigate the complexities of real estate financing and find the perfect solution for your needs.

Introducing another creative financing option: ‘Lease Options’. With a Lease Option, a potential buyer has the opportunity to lease the property with an option to purchase at a later date. In other words, it’s like a rent-to-own agreement. This allows them to move in immediately while having time to address credit or financial issues before committing to the full purchase. It’s a flexible arrangement that can attract individuals looking for a stepping stone into homeownership.

A Lease Option gives you and your family the opportunity for stability in a home, knowing that your rent will not change for a term of 3-5 years. You will get the sense of ownership, with the decision in 3-5 years down the road of whether it makes sense to officially buy the property.

At the end of that term, we will already have an agreement for the purchase of the home at the previously agreed upon price. In other words, you will lease the home with an option to purchase, but you are NOT required to purchase. 

Since you only need to pay an upfront fee to get started, this is a perfect option for someone having credit hardships that wants the stability of a home while rebuilding their credit. However, it can be a great solution for anyone, not just those dealing with financial hardships. Similar to leasing a car, a Lease Option gives you access to better quality with the option to purchase later if it makes sense.

To initiate a Lease Option transaction, simply fill out our form, and we’ll assist you every step of the way. At Priced Early Companies, we pride ourselves on being easy to work with. We can discuss option fees, the final price of the property, and various structuring options to tailor the arrangement to your needs.