For listing agents
Your commission, paid in full at closing — in writing
If you have a listing that is not moving, or a seller who will not come down on price, send it to us before it expires. We buy on terms: full or near-full list price, paid over time or by taking over the loan.
You do not have to explain creative finance to anyone. Send the address, get a sample offer document addressed to you, with a how-to-present page and a broker FAQ within one business day, and we will walk your seller through the structure on a call with you.
No fee, no obligation. If your broker has questions, we will talk to them too.
What you and your seller get
You stay the agent of record
We do not contact your seller behind you. The seller conversation happens on a call with you on it, and your name is on the deal.
The commission is written into the offer
The amount and the timing appear in the written offer, and the commission is paid at closing through your brokerage under your listing agreement. The offer also states who funds it. No side payments, no referral fees to unlicensed people.
Price your seller can accept
A terms structure buys at full or near-full list price because the seller is paid over time, or because we take over the existing loan. That is what unsticks a price-resistant seller.
You get the buy-side too, if you want it
Agents who bring us listings get first call on our own buying business. That part is a conversation, not a form.
The exact amount goes into the offer once we have seen the listing agreement. We do not quote a commission number on a web page; the sample document we send you does, marked as an assumption until the agreement is in.
What happens after you send it
Within one business day
You receive a sample offer document addressed to you, with a how-to-present page and a broker FAQ, watermarked as a sample. It goes to you and only to you — never to your seller directly.
A call with you first
Fifteen minutes. We check the facts, the condition, any loan, and whether the structure actually fits this seller. If it does not, we say so and you have lost fifteen minutes.
Then a call with your seller, with you on it
We explain the structure and answer the hard questions — the loan, the security, what happens if we stop paying. You keep the relationship.
Then a written offer
After a look at the house, title and any payoff. The commission line, the price and the terms are all in it, with time for attorney review on your seller’s side.
How to present a terms offer to your seller
- Lead with the price and the monthly income, then the security: the note, the recorded mortgage, the servicer, the deed in escrow.
- Call it a sample, not an offer, until the written offer exists. Do not quote a number that is not in the document.
- Keep the cash and listing columns in view. Your seller has probably already had a cash offer, and the comparison is what makes the structure make sense.
- Put us on the call. We explain the structure; you keep the client.
- Say "at or close to full value" the way the document says it. Do not upgrade the claim.
Broker FAQ
Forward this section to your broker. If they want a person instead, we will take the call.
Who is the buyer?
A named buying entity, or one of our buying partners, named in the offer. The buyer of record is always a named entity and never an unnamed assignee.
How is the commission paid?
At closing, through the brokerage, in the amount written into the offer, under the listing agreement or a written compensation agreement. The offer states who funds it.
No side payments to agents, and no referral fees to unlicensed people.
Does the agent stay the agent of record?
Yes. We do not go around the agent to the seller, and the agent is on every call with the seller.
Who signs, and who holds title?
The seller signs a standard purchase agreement plus a terms addendum. Title transfers to the buying entity at closing, through a title company, and it is recorded.
What happens to an existing loan?
Either it is paid off at closing, or the buyer takes over the payments through a licensed third-party servicer, with the protections listed in the seller document.
The due-on-sale clause is disclosed to the seller in writing before signing. We do not present it as a technicality.
What may our agent say, and not say?
Say: a terms offer the seller can compare with a cash sale and a listing, at or close to full value. Point at the document for every number.
Do not promise an outcome, a price, or anything about the seller’s lender that is not in the document.
Can the seller cancel?
Nothing binds the seller until a written purchase agreement is signed. Attorney review is encouraged, and a written cancellation window applies where state law requires one.
Send us the address. Worst case, you get a document your seller has not seen before.
Send us a listing