(203) 580-9980
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(203) 580-9980
Get My Free Offers
(203) 580-9980
Get My Free Offers

Sell Your House With Seller Financing and Get Paid Monthly

Own your home free and clear, or close to it? Sell to us for a higher price and collect monthly payments, secured by the house.

  • A higher price than a cash offer
  • Monthly income, secured by a recorded mortgage
  • No repairs, showings or commissions
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💰 Fast Cash Offers | ⚡ Close in 7-14 Days |  🏠 Buy As-Is

What seller financing means, in plain English

With seller financing, you act as the bank. Instead of getting all your money at closing, you get a down payment up front, then monthly payments with interest for an agreed number of years, and the remaining balance at the end.

Because you’re not asking for everything on day one, we can pay you a higher price than a cash offer. And you’re never unsecured: the loan is backed by a mortgage on the house, recorded in your favor. If we ever stopped paying, you’d have the right to take the house back.

Is subject-to right for you?​

Good Fit if:

  • You own the house free and clear, or have a lot of equity
  • You don't need all the money right away
  • You'd like steady monthly income, without being a landlord
  • You want a higher price than a cash buyer will pay

Probably not a fit if:

  • You need all the money now (see cash offer)
  • You still owe a lot on your mortgage (see subject-to)
  • You'd rather not wait several years for the final payoff

How It Works

Tell us about your house:

We get information about the property and what you'd like to walk away with.

Choose your mix:

We talk through the options, such as a bigger down payment, a higher monthly payment or a shorter term, and adjust the price to fit.

Get written terms:

Price, down payment, monthly payment, interest rate and length, all on paper.

Attorney Closing:

You receive the down payment, and we sign a promissory note & mortgage recorded in your favor.

Get Paid Monthly

You get paid every motnth through a third-party servicer, with the remaining balance paid at the end of the term.

Subject-To Example

Illustrative numbers only. An inherited Norwalk two-family with no mortgage, worth about $650,000 as-is:

  • Listing it as-is: $603,500, after commissions, closing and carrying costs, in 60–150 days.

  • Our cash offer: $560,000, paid in full at closing, 2–4 weeks once you can sell.

  • Our seller-financing offer: $700,000: $70,000 down, then $1,750/month on a 30-year schedule, with the remaining $420,000 paid in year 10.

How You Are Protected

Recorded mortgage:

The loan is secured by the house. If payments stop, you can take it back, and you keep the down payment and payments already received.

Down payment at closing:

Real money up front, so you're never starting from zero.

Third-party loan servicer:

A licensed company collects and records every payment, and sends you statements.

Insurance naming you:

You're listed on the homeowner's policy as the lender, so you're protected if anything happens to the house.

Taxes and repairs on us:

We pay the property taxes and maintain the house, and you can verify both.

Attorney closing:

Everything is drafted and closed by a Connecticut real estate attorney, and you're welcome to bring your own.

Seller Finance vs. your other options
Seller financing Cash offer List with an agent

Price
Highest
Lower

Content

Money at closing
Down payment
All of it
All of it, after 60–120 days

Monthly income
Yes
No
No

Time to close
2–4 weeks
7–14 days
60–120 days

Repairs and showings
None
None
Yes

Best for
Free-and-clear owners who don’t need it all now
Speed and certainty
Market-ready homes, if you can wait

What Sellers Say About Us

Frequently Asked Questions

Your loan is secured by a recorded mortgage on the house, and payments run through a third-party servicer. If payments stop, you have the right to take the house back.

You’re the bank, so the rate is up to you. Price, rate, down payment and term all work together: some sellers prefer a higher price, others prefer earning interest. We’ll lay out the options side by side in writing so you can choose.

That depends on the terms you choose. Some sellers want to be paid off within a few years, others prefer steady monthly income for decades. We’ll build the timeline around your plans.

You can enforce the mortgage and take the house back, keeping the down payment and every payment already made.

Spreading payments over years may let you spread the tax on your gain as well. The IRS can also treat part of a low-interest note as interest, so ask your accountant how it applies to you.

Yes. Notes like this can be sold to note buyers, usually at a discount.

Often, yes. We can structure around it or pay it off at closing. 

 We do, from closing day forward.

Other Ways We Can Buy

Sell For Cash

Subject-To

Lease Option

Nearby Areas We Buy In

Greenwich

Stamford

Norwalk

Also buying in: Darien, New Canaan, Westport, Wilton, Fairfield, Bridgeport, Stratford, Trumbull, Shelton, Milford, Danbury, Ridgefield.

See All Connecticut Areas

See What Your House Could Pay You Each Month

Call Jhonny at (203) 580-9980 or fill out the form. We’ll send written terms, free and with no obligation.

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💰 Fast Cash Offers | ⚡ Close in 7-14 Days |  🏠 Buy As-Is