Welcome to our FAQ section
I get it — selling your home is a big decision, and trust is everything. Here’s why homeowners choose to work with me:
I Keep It Honest: No pressure, no gimmicks, and no hidden fees. I’m upfront about how everything works, and I’ll walk you through every step so you feel confident and informed.
Solutions Over Sales: Whether you’re facing a tough situation, need to sell fast, or just want to explore your options, my priority is helping you find the best path forward — even if that means not selling to me.
Experience & Integrity: I’ve worked with many homeowners in all kinds of situations, and I’ve built a reputation for fairness, transparency, and doing what’s right — not just what’s easy.
You Stay in Control: There’s never any obligation. I’ll provide you with a clear, no-hassle offer and let you decide if it’s right for you — on your timeline.
At the end of the day, my goal is simple: to make this process easier for you, and earn your trust every step of the way.
Not necessarily. My goal is often to purchase properties directly from homeowners, which means we can avoid the traditional listing process altogether. This allows for a faster, more streamlined transaction without the need for showings, open houses, or agent commissions.
Great question! I determine a fair offer by looking at several key factors, including the condition of your property, recent sales of similar homes in your area (comparables), current market trends, and any repairs or updates the property may need. I also consider the cost of renovations, holding costs, and resale value. The goal is to make you a competitive, no-obligation offer that reflects the true value of your home, while allowing room for a reasonable return on the investment.
Listing with a realtor works well for many people, but it’s not always the best fit for every homeowner. Here are a few reasons why:
Time: Traditional listings can take weeks or months to sell. If you need to sell quickly due to relocation, financial hardship, or personal reasons, a direct sale can close much faster — often in as little as 7–14 days.
Repairs & Showings: When listing, you’re often expected to make repairs, stage the home, and keep it clean for showings and open houses. Selling directly means no cleaning, no fixing, and no strangers walking through your home.
Commissions & Fees: Realtors typically charge 6-12% in commission, plus possible closing costs. Selling off-market to an investor means no commissions or hidden fees — what you’re offered is what you take home.
Certainty: Deals can fall through due to financing issues or long negotiation processes. A direct offer from an investor often means a cash sale, fewer contingencies, and more certainty.
Privacy: Some sellers prefer not to have their home publicly marketed or listed online. A direct sale keeps things private and low-profile.
That said, there’s no one-size-fits-all solution. The best option depends on your goals, timeline, and property condition. I’m always happy to walk through both options with you so you can make an informed decision.
Yes — in many cases, I can help you sell your home in 30 days or less, sometimes even in as little as 7–14 days, depending on your situation. Since I buy properties directly, there’s no need to wait for bank approvals, inspections, or buyer financing — which are the biggest causes of delays in traditional sales. My process is fast, simple, and designed to work on your timeline. If you’re ready to move quickly, I’m ready to make it happen.
“Escrow” is a neutral third party that holds funds, documents, and instructions during a real estate transaction to make sure everything is done properly and fairly. When a home goes under contract, the buyer usually deposits earnest money into escrow — this shows they’re serious about the purchase.
The escrow company or agent makes sure that all parts of the agreement are met (like inspections, title work, loan approval, etc.) before releasing the money and transferring ownership. Once everything is completed, escrow “closes,” and the sale is finalized.
In short, escrow protects both the buyer and seller and helps keep the transaction smooth and secure.
A cash offer is often lower than what you’d get on the open market — and here’s why:
Speed & Convenience: Cash buyers offer quick closings, no repairs, no showings, and zero agent fees. That convenience comes at a discount — you’re trading some equity for a fast, hassle-free sale.
As-Is Condition: Investors take on all the risk and cost of repairs, upgrades, and market uncertainty. They factor that into the offer price so they can still make a return after putting money into the property.
No Commissions or Hidden Costs: While the offer might be lower than a retail price, you’re not paying realtor commissions, staging costs, or months of holding expenses (mortgage, utilities, insurance, etc.).
Certainty Over Top Dollar: A cash offer gives you peace of mind — no financing fall-throughs, no appraisal issues, and a guaranteed close date. That certainty has real value, especially in uncertain markets or urgent situations.
If your top priority is maximum price, listing traditionally might be better. But if you value speed, ease, and certainty, a cash offer might be the right move — even if it’s not top dollar.
100%! I specialize in buying homes as-is, no matter the condition. Whether your property needs minor repairs or a full renovation, you don’t need to fix a thing. I’ll take care of everything after the sale — you won’t need to clean, update, or even clear out unwanted items.
I work with sellers who have inherited homes, are dealing with long-time rentals, or just don’t want to spend time or money fixing things up. If your home needs some TLC, I’m still very interested and can make you a fair, no-obligation cash offer.
A title company is a neutral third party that helps make sure the sale of a home is legal, secure, and properly documented. They research the property’s history to confirm the seller truly owns it, and that there are no liens, unpaid taxes, or legal issues that could affect the sale. They also handle the paperwork, collect and distribute funds, and officially record the transfer of ownership.
As for how long it takes — most title companies can complete their work in 7 to 14 days, but it can be faster or slower depending on the complexity of the title and how quickly everything else comes together. For cash sales (like what I offer), the process is usually much faster since there’s no lender involved.
Creative financing is a way to buy or sell real estate outside of the traditional bank loan process. Instead of relying on a mortgage from a bank, buyers and sellers work out flexible terms that fit both sides. It’s especially useful when a seller wants to move a property quickly, or when a buyer doesn’t want (or can’t qualify for) a conventional loan.
Here are a few common types of creative financing:
Seller Financing: You act as the bank and let the buyer make payments directly to you over time.
Subject-To: The buyer takes over your existing mortgage payments while the loan stays in your name (temporarily).
Lease Option (Rent-to-Own): The buyer rents the home with the option to buy later.
Wraparound Mortgage: A new loan “wraps” around your existing one, and the buyer makes one payment that covers both.
Creative financing can be a win-win — helping sellers move properties faster and giving buyers more op
Yes, creative financing is 100% legal when it’s done correctly and all parties understand and agree to the terms. These strategies have been used in real estate for decades and can offer flexible solutions when traditional bank financing doesn’t work.
That said, like any real estate transaction, it’s important that everything is properly documented, transparent, and in compliance with state and federal laws. Working with professionals — like real estate attorneys, title companies, or experienced investors — ensures the deal is structured legally and fairly for everyone involved.
If you’re ever unsure, it’s always a good idea to ask questions and get legal advice. I’m happy to walk you through how creative financing works and help you understand if it’s the right fit for your situation.
“Subject to” is a creative financing strategy where a buyer takes over your existing mortgage payments, but the loan stays in your name (at least for now). The buyer takes ownership of the property subject to the existing financing — meaning they agree to keep making the payments on your behalf.
Here’s a quick breakdown of how it works:
You keep the loan in your name, but the buyer takes ownership of the property.
The buyer makes monthly payments on your existing mortgage (usually directly to the lender).
You avoid foreclosure, late payments, or the stress of selling traditionally, especially if you’re behind or just want to move quickly.
Eventually, the buyer may refinance the loan into their own name or pay off the mortgage in full.
Why would a seller do this?
You need to move quickly and avoid foreclosure
You have little or no equity, and selling traditionally won’t net you much
You don’t want to deal with showings, repairs, or realtor commissions
You’re behind on payments and want a clean, fast exit
Is it safe?
Yes — when done the right way, with proper paperwork and through a title company or attorney. Everything is fully documented, and protections can be put in place for both sides.
Seller financing (also called owner financing) is when you act as the bank — instead of the buyer getting a loan from a traditional lender, they make monthly payments directly to you.
Here’s how it works:
You and the buyer agree on a purchase price, interest rate, and monthly payment terms — just like a regular loan.
The buyer gives you a down payment, then makes monthly payments over time.
You keep the legal title until the loan is paid off or refinanced (unless you do a land contract or similar setup).
Once the balance is paid, the buyer owns the home free and clear.
Why would a seller do this?
No banks or loan approvals needed, which can speed up the sale
You earn interest, potentially making more money over time
You can sell as-is, with less hassle and fewer closing costs
It’s ideal for selling to someone who may not qualify for a bank loan today but can afford monthly payments
Is it safe?
Yes — when set up properly with a legal contract and handled through a title or escrow company, it’s completely legal and secure. A promissory note and deed of trust (or mortgage, depending on your state) are typically used to protect your interest.
If a buyer misses a payment in a seller financing or subject-to deal, there are legal protections in place — just like a traditional lender would have.
Here’s what typically happens:
Grace Period & Late Fee: Most agreements include a short grace period (e.g. 5–15 days) before a payment is officially “late,” along with a late fee.
Default Notice: If the buyer doesn’t catch up, you (the seller) can issue a notice of default. This is a formal warning that they’re behind and must bring payments current.
Legal Remedies: If the buyer still doesn’t pay, you may have the right to:
Foreclose (if you used a deed of trust or mortgage)
Cancel the contract (if using a land contract or lease option)
Take back the property, depending on how the deal was structured
Contract Terms Matter: Everything depends on how your agreement is written. That’s why it’s crucial to have a solid contract, clear terms, and a legal professional involved when setting it up.
Bottom Line:
You’re not powerless. When seller financing is done properly, you’re protected — just like a bank would be — and you have legal options to recover the property if the buyer doesn’t hold up their end.
No — if the buyer defaults, you do not owe them anything for any upgrades, repairs, or renovations they made to the property. The home — along with any improvements — typically reverts back to you based on the terms of the agreement.
Here’s why:
The buyer doesn’t own the home outright until they fully pay off the property.
Just like a bank would in a foreclosure, you retain the property if the buyer fails to fulfill the terms.
Any money they put into the home is considered their investment and their risk — not something you’re required to reimburse.
That means if they default, you get the home back — plus any value added from their work — and you keep all payments made up to that point. It’s a built-in safety net for you as the seller.
Novation is a strategy that allows an investor or buyer to step in and replace the original purchase agreement — with the seller’s permission — so they can resell the property to a new buyer, often at a higher price. It’s kind of like wholesaling, but with a few key differences:
How it works:
You (the seller) sign a novation agreement with a buyer (usually an investor).
The buyer markets and resells your property — often after making repairs or improvements — before the original deal closes.
At closing, the end buyer purchases the property, and you get paid the agreed amount — even though the final buyer is someone different.
Why would a seller agree to novation?
You don’t have to do any repairs, showings, or listings.
You get a guaranteed price — usually more than a typical wholesale cash offer.
You allow the investor to bring in a new buyer who may pay more, but you still get the amount you agreed to.
The investor often uses traditional financing with the end buyer — which opens up a larger pool of buyers than just cash investors.
Key benefit:
Unlike wholesaling (which usually requires cash buyers), novation allows the property to be sold to retail buyers using mortgages, because you’re letting the investor work as a middleman without transferring ownership until the final sale.
Amortization is the process of spreading out a loan (like a mortgage) into equal monthly payments over a set period of time — usually 15, 20, or 30 years. Each payment covers two things:
Principal – the amount you actually borrowed
Interest – the cost of borrowing the money
Here’s how it works:
In the beginning, most of your payment goes toward interest, and only a small part goes toward the principal.
Over time, that flips — more of your payment goes toward paying down the loan, and less toward interest.
At the end of the loan term, the balance is fully paid off — that’s full amortization.
Example:
Let’s say you have a $200,000 mortgage at 5% interest over 30 years. Your monthly payment stays the same, but at first, maybe $800 goes to interest and $200 to principal. Later on, it might be $200 to interest and $800 to principal — same total, but different breakdown.
A balloon payment is a large, lump-sum payment that’s due at the end of a loan term. Unlike a traditional fully amortized loan (where you pay it off gradually), a balloon loan often has lower monthly payments, but the entire remaining balance is due all at once at the end.
Example:
Let’s say you have a 5-year loan with a balloon payment:
You make low monthly payments based on a 30-year schedule
At the end of year 5, the rest of the balance — maybe $100,000 or more — is due in one big payment
Why would someone use a balloon loan?
To lower their monthly payments temporarily
If they plan to sell or refinance the property before the balloon is due
In seller financing, it’s often used to give the buyer time to get their own financing later
What’s the risk?
If the buyer can’t pay off the balloon when it comes due — through refinancing, selling, or saving — they could default, which puts the property at risk.
Yes, I absolutely can. If your home is in foreclosure or you’re behind on payments, there are still options available, and the sooner we talk, the more we can do.
Here’s how I may be able to help:
Stop the foreclosure process by working directly with your lender or buying the property before the auction date
Catch up your mortgage through a creative financing strategy (like a subject-to deal)
Buy the property as-is for cash, giving you a fast, clean exit — no repairs, no commissions
Help protect your credit and possibly put some money in your pocket, depending on your situation
Every foreclosure case is different, so I’ll take the time to understand your situation and walk you through your options — with zero pressure and no cost to you.
Time is critical, so if you’re facing foreclosure, let’s talk today and see what we can do.
A short sale happens when you sell your home for less than what you owe on your mortgage — and your lender agrees to take the loss to avoid foreclosure. It can be a way to get out from under a mortgage you can’t afford, without the lasting damage of a foreclosure.
Here’s how it works:
You list the home (usually with a short sale specialist or investor)
You apply for short sale approval from your lender — they’ll want to see your hardship (job loss, divorce, medical issues, etc.)
The buyer makes an offer — typically below what’s owed
Your lender reviews and approves the offer (or negotiates)
The home sells, and the lender either forgives the remaining balance or pursues a deficiency judgment (depending on your state and agreement) depending on your state’s laws and the agreement with the lender, forgive the remaining balance.
Why consider a short sale?
Avoid foreclosure
Protect your credit more than a foreclosure would
Potentially walk away with relocation assistance
Gives you a clean slate without owing the full debt (in many cases)
Key Tip:
Short sales can take time (usually 60–90 days or more), and they require lender cooperation — but with the right help, they can be a powerful way out of a tough spot.