Services > Creative Home Financing

Creative Home Financing Service

What if you could sell your home while also continuing to make money on it? Would you like to sell your home now but continue living in it with the ability to buy it back later?

At Fresno Property Buyers Pro, our creative home financing services are designed to provide you with tailored options that cater to your specific circumstances, helping you achieve your real estate goals. Our commitment to serving Fresno County homeowners and buyers with integrity and expertise sets us apart.

We offer a range of creative financing solutions, including subject-to financing, lease option, and rent-to-own programs, each designed to provide you flexibility, profitability, and peace of mind.

Sell Home As Is

Subject-To Financing

Subject-to financing are way to sell your home quickly and easily and at the same time having the option to continue to make money on your equity over time. In both scenarios, we pay you your equity with interest in monthly installments over an agreed-upon time period. You can end up selling your home to us as an investment property with income and interest coming to you over time. Usually this means a higher initial sale price for the home with the additional benefit of interest payments to you. This arrangement turns you, the seller, into a lender, effectively creating an income stream from the property.

Advantages of Equity Payments Over Time:

• Steady Income Stream:

o By opting to receive equity payments over time, sellers can create a steady and reliable income stream. This can be particularly advantageous for those looking to supplement their retirement income or generate passive income.

• Interest Earnings:

o Sellers can benefit from interest payments on top of the principal amount owed. The interest rate is negotiated between the buyer and seller, providing a higher return compared to traditional savings or investment accounts.

• Investment Property Potential:

o The property can effectively become an investment asset for the seller. As the buyer makes regular payments, the seller earns income from the interest, much like a traditional mortgage lender.

Subject-to financing not only offers a flexible and creative solution for buyers and sellers but also provides significant benefits when it comes to managing and receiving equity. By understanding and leveraging the advantages of subject-to financing, you can make informed decisions that align with your financial goals and circumstances.

cash for house cost

Lease Option

Our lease option program offers a unique pathway to homeownership, combining the benefits of renting with the opportunity to buy. This option allows you to lease a property with the option to purchase it at a later date, locking in a future purchase price while you build your credit and savings. This flexible arrangement is ideal for individuals who want to stay in their home but need time to secure financing or improve their financial standing. At Fresno Property Buyers Pro, we structure lease options to meet your needs, providing you with a clear path to continue owning your home.

Services > Creative Home Financing

Creative Home Financing

Creative Home Financing Service

What if you could sell your home while also continuing to make money on it? Would you like to sell your home now but continue living in it with the ability to buy it back later?

At Fresno Property Buyers Pro, our creative home financing services are designed to provide you with tailored options that cater to your specific circumstances, helping you achieve your real estate goals. Our commitment to serving Fresno County homeowners and buyers with integrity and expertise sets us apart.

We offer a range of creative financing solutions, including subject-to financing, lease option, and rent-to-own programs, each designed to provide you flexibility, profitability, and peace of mind.

Subject-To Financing

Subject-to financing are way to sell your home quickly and easily and at the same time having the option to continue to make money on your equity over time. In both scenarios, we pay you your equity with interest in monthly installments over an agreed-upon time period. You can end up selling your home to us as an investment property with income and interest coming to you over time. Usually this means a higher initial sale price for the home with the additional benefit of interest payments to you. This arrangement turns you, the seller, into a lender, effectively creating an income stream from the property.

Advantages of Equity Payments Over Time:

• Steady Income Stream:

o By opting to receive equity payments over time, sellers can create a steady and reliable income stream. This can be particularly advantageous for those looking to supplement their retirement income or generate passive income.

• Interest Earnings:

o Sellers can benefit from interest payments on top of the principal amount owed. The interest rate is negotiated between the buyer and seller, providing a higher return compared to traditional savings or investment accounts.

• Investment Property Potential:

o The property can effectively become an investment asset for the seller. As the buyer makes regular payments, the seller earns income from the interest, much like a traditional mortgage lender.

Subject-to financing not only offers a flexible and creative solution for buyers and sellers but also provides significant benefits when it comes to managing and receiving equity. By understanding and leveraging the advantages of subject-to financing, you can make informed decisions that align with your financial goals and circumstances.

Cash Home Buyers Cost

Lease Option

Our lease option program offers a unique pathway to homeownership, combining the benefits of renting with the opportunity to buy. This option allows you to lease a property with the option to purchase it at a later date, locking in a future purchase price while you build your credit and savings. This flexible arrangement is ideal for individuals who want to stay in their home but need time to secure financing or improve their financial standing. At Fresno Property Buyers Pro, we structure lease options to meet your needs, providing you with a clear path to continue owning your home.

Rent-to-Own Programs

Rent-to-own Programs are designed to help renters transition to homeowners smoothly and affordably. Under this program, you sell your home to us and then stay in it as a renter, but with a portion of your monthly rent going towards the future purchase of the property, allowing you to build equity over time.

This approach benefits those who might not currently qualify for traditional mortgages but are committed to remaining homeowners. Our Rent-to-Own Programs are tailored to provide you with the flexibility and support needed to continue homeownership on your terms.

Need to get in touch?

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Request a Free Consultation

Request a free consultation by either calling our friendly dispatch center, open 24 hours at (844) 332-6532, or complete our short quote request form to have one of our real estate investors contact you to schedule a time to survey the property.

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Receive a Written Offer

After the property is surveyed, you will receive a written proposal outlining our cash offer. Just reply back with your acceptance and we'll contact you to schedule the paperwork to be completed when it is most convenient for you.

Sell Home As Is Quote
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Get Your House Sold Fast!

Our professional real estate investors will show up on the scheduled date and time to pay you your cash fast!

Free Consultation

In 3 Easy Steps

Request a Free Consultation

Free Estimate for Cash For House

Request a free consultation by either calling our friendly dispatch center, open 24 hours at (844) 332-6532, or complete our short request form to have one of our real estate investors contact you to schedule a time to survey the property.

 [keyword]

Receive a Written Offer

Sell Home As Is Quote

After the property is surveyed, you will receive a written offer via text outlining the job details and the cost. Just reply back with your acceptance and we'll contact you to schedule the paperwork to be completed when it is convenient for you.

 [keyword]

Get Your House Sold Fast!

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Our professional home buyers will show up on the scheduled date and time to pay you your cash fast!

Fresno County Service Area

Rent-to-Own Programs

Rent-to-own Programs are designed to help renters transition to homeowners smoothly and affordably. Under this program, you sell your home to us and then stay in it as a renter, but with a portion of your monthly rent going towards the future purchase of the property, allowing you to build equity over time. This approach benefits those who might not currently qualify for traditional mortgages but are committed to remaining homeowners. Our Rent-to-Own Programs are tailored to provide you with the flexibility and support needed to continue homeownership on your terms.

Frequently Asked Questions

Can creative home financing help me if I have bad credit?

Yes, creative home financing can be particularly beneficial for individuals with bad credit. Traditional mortgage lenders often have strict credit requirements that can be a barrier for many potential homeowners. However, creative financing methods, such as lease options, subject-to financing, and seller financing, provide alternative pathways to continue homeownership. These options often involve more flexible credit requirements, allowing individuals with poor credit histories to secure housing. By entering into a lease option or rent-to-own agreement, for example, you can work on improving your credit score while making progress towards owning a home.

Are there any tax implications with creative home financing methods?

Yes, there can be tax implications with creative home financing methods, and it’s important to understand them to avoid potential issues. For example, with subject-to financing, sellers must report interest income on their taxes, and buyers can often deduct mortgage interest payments. In lease options or rent-to-own agreements, tax treatment may vary depending on the structure of the agreement and local tax laws.

Who is eligible for creative home financing options?

Eligibility for creative home financing options can vary based on the specific method and the terms set by the parties involved. Sellers often consider creative financing when they need to sell quickly, want to avoid foreclosure, or are looking for alternative ways to receive their equity or make more money on their property than through a traditional sale. Each creative financing method, such as lease options, subject-to financing, and seller financing, has its own criteria. For example, lease options might require a stable income to cover rent payments, while seller financing might depend on the buyer's ability to make regular payments.

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Fresno, CA

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