CreativeFinance.io
No bank. No agent. No middleman.

Buy your dream home directly from the person selling it.

Browse homes with seller financing, rent-to-own, and other owner-negotiated terms — no bank approval, no agent commission. Talk terms directly with the owner, and put the money that would've gone to fees toward the home instead.

SELLER FINANCING
$2,495/mo
Purchase price$425,000
Down payment$25,000
Rate6.5% fixed
Amortization30 yrs
Balloon dueYear 7 — $361,665
6.5%Typical seller-financed note rate — well above what a high-yield savings account pays today.
~5.0%Where cash sits idle in a savings account instead of earning that spread.
$40k+What a 6% dual-agent commission can cost on a mid-size home — split between two sides.
FreeTo list your home — no fee to get started, no percentage taken from your sale.
Early access

Already offering seller financing? Get matched with real buyers first.

We're onboarding sellers and buyers ahead of full launch. Join now and we'll reach out personally when your area opens up — no cost, no obligation.

Browse by terms, not just price

Every listing leads with the monthly payment and the deal structure — the price is secondary.

Not sure what these terms mean? Quick plain-English guide →

How it works

From browsing to a real conversation, without a 6% commission in the middle.

01

Browse terms

Filter homes by deal type — seller financing, rent-to-own, subject-to, wraparound — and see the real monthly payment upfront.

02

Run your numbers

Move the sliders on down payment, rate, and balloon to see instantly what a payment could look like — a private calculator, nothing sent automatically.

03

Talk it through

Copy your numbers into a real chat with the seller — a real conversation, no automated back-and-forth.

04

Close with the right professionals

Once you agree on terms, a licensed attorney or title company handles the purchase agreement, promissory note, and closing.

What the old way actually costs

Run the numbers on a typical sale.

Traditional agent commission$27,000
Listing hereFree
What a commission alone would cost you$27,000

The complete guide to seller financing

Everything worth knowing before you buy or sell this way — including what can go wrong.

How it actually works

  1. Buyer and seller agree on terms — price, down payment, interest rate, loan length, and payment schedule.
  2. Real legal documents get drawn up — a promissory note laying out the payment terms, and a mortgage or deed of trust securing the property, prepared by a licensed attorney or title company.
  3. The buyer pays the down payment — typically 10-20% of the price, though it's fully negotiable.
  4. Monthly payments begin — the buyer pays the seller directly, principal and interest, same rhythm as a normal mortgage.
  5. The loan resolves — either paid off in full, or the buyer refinances into a traditional mortgage at the balloon date.

A worked example

Purchase price$300,000
Down payment (15%)$45,000
Amount financed$255,000
Interest rate7%
Term30 years, 5-year balloon
Monthly payment~$1,697

Why buyers consider it

  • Easier qualifying — no bank underwriting or minimum credit score
  • Faster close — often weeks, not the 30-60 days a bank typically takes
  • Negotiable terms — down payment, rate, and schedule are between you and the seller
  • Access to homes banks won't finance — fixer-uppers, unconventional builds, raw land

Why sellers consider it

  • A larger buyer pool — including buyers a bank would turn away
  • Ongoing interest income — often a meaningfully better return than letting cash sit in savings
  • Potential tax advantage — capital gains can sometimes be spread across the life of the loan (an installment sale) — a tax professional can confirm whether this applies to you
  • A real option for hard-to-sell properties — condition or financing issues that stall a conventional sale don't stop this

Owner financing vs. a traditional mortgage

Owner financingTraditional mortgage
Credit checkOften flexible, sometimes noneTypically 620+ required
Down paymentNegotiable, often 5-20%Usually 10-20%
Closing timeOften 1-3 weeksTypically 30-60 days
Closing costsGenerally lowerOften $3,000-8,000+
Balloon paymentCommon after 3-10 yearsRare

General industry patterns, not guarantees — every deal is set individually between buyer and seller.

After you agree on terms

Once a buyer and seller have talked through numbers, the next step is putting it in the hands of licensed professionals — CreativeFinance.io doesn't draft documents or manage closing. Here's who typically helps, and where to find them.

A real estate attorney

Drafts or reviews the promissory note and mortgage/deed of trust, and makes sure everything is legally sound in your state.

Most state and county bar associations run a low-cost lawyer referral service — search "[your state] bar association lawyer referral service" or start at the ABA's directory →

A title company

Runs a title search, can issue title insurance, and often handles closing itself.

HomeClosing101.org (consumer guide from the American Land Title Association) explains the process and how to find one →

A tax professional

Can confirm how the sale or the interest income is taxed for your specific situation, on either side of the deal.

A local CPA or enrolled agent is usually the right fit for this.

Frequently asked questions

Is owner financing legal?

Yes — it's a long-standing, legitimate way to buy and sell real estate throughout the United States.

Do I need good credit?

Not necessarily. Many sellers are open to working with buyers who wouldn't qualify for a conventional loan — though every seller sets their own standard.

What happens if a payment is missed?

Similar to a traditional mortgage — late fees and, eventually, foreclosure risk. Communicating early with the other party matters.

Can a buyer refinance later?

Yes — many buyers use owner financing as a bridge, planning to refinance into a conventional mortgage once their credit or financial picture improves.

How is this taxed?

Generally, interest income is taxable to the seller, and capital gains can sometimes be spread over the loan term. A tax professional can confirm your specific situation.

← Back to listings

Asking terms

AS LISTED BY OWNER

What if I offered…

A private calculator — move the terms and see your payment instantly. Nothing here is sent automatically.
This is a personal calculator only. No offer is created or sent by moving these sliders. If you'd like to propose these terms, use "Copy to chat" below to bring your numbers into a real conversation with the seller — they decide, not this tool.
Down payment
Interest rate
Amortized over
Balloon due
Asking payment
$0
Your numbers
$0

Chat with the seller

A real conversation — you decide what to send, the seller decides how to respond. Nothing here is automated.

Important information

Marketplace disclaimer

We're an independent marketplace, not a lender, broker, agent, or financial institution. We don't originate loans, determine creditworthiness, or negotiate financing terms.

No lending activity

All financing terms are set solely by sellers, not verified by us. Users are responsible for complying with applicable lending laws, including the SAFE Act and TILA.

Due diligence required

We don't verify ownership, title, liens, or condition of any listing. Independent inspections, title searches, and legal review are on the buyer. Consult a real estate attorney before any transaction.

Fair Housing statement

We're committed to Fair Housing Act compliance. Listings may not discriminate based on race, religion, sex, disability, familial status, national origin, or any protected characteristic.

Fraud prevention notice

Never wire money without independently verifying ownership and title. We will never request payment outside the platform for a transaction.

No endorsement or guarantee

We don't guarantee the accuracy of any listing or endorse any user, buyer, seller, or arrangement. All interactions occur at your own risk.