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Frequently Asked Questions
Selling your home is one of the biggest financial decisions you'll ever make. You deserve straight, honest answers — not sales pitches. Here's everything real sellers ask us before getting started.
Close With Creative offers four home-selling solutions — Cash Offers (close in 7–14 days), Creative Finance (90–110% of market value), Novation (we renovate, you profit), and Wholesale (investors compete for your home). Every consultation is free. There are zero fees, zero commissions, and zero closing costs to you on any path.
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General Questions
The basics about who we are and how we're different.
Unlike traditional cash buyers who make one take-it-or-leave-it offer, we evaluate your full situation and present every available structured solution — cash, creative financing, novation, and wholesale — with real numbers for each path. No other company presents four distinct paths for a single property. You see all options, then decide.
We currently buy homes in 30 states across the United States, including Texas, Florida, California, Georgia, North Carolina, Arizona, Tennessee, Colorado, and more. Our coverage is expanding. Visit our Locations page or call us at (860) 750-9069 to confirm availability in your area.
We buy single-family homes, townhouses, condos, duplexes, multi-family properties (up to 4 units), and vacant land in select markets. Any age, any condition, any situation. If you own it and want to sell it, we want to hear about it.
iBuyers typically offer on move-in-ready homes in select markets and charge service fees of 5–13%. We buy in any condition, charge zero fees, serve 30 states, and offer four solution paths instead of one. We also handle distressed properties, probate, foreclosure, and situations that iBuyers decline entirely.
Close With Creative has helped over 240 homeowners across 30 states find the right selling solution. Our team brings decades of combined experience in real estate investing, creative finance structuring, and residential transactions. We are rated 4.9 stars across Google, Trustpilot, and the BBB.
Our Four Solutions
Cash, creative finance, novation, and wholesale — explained.
A cash offer means we purchase your property directly with funds on hand — no bank financing, no appraisal contingency, no waiting. You typically receive 70–80% of market value and close in as few as 7 days. It's the fastest, most certain way to sell a home. Learn more about cash offers →
Creative financing includes seller financing (you act as the lender and receive monthly payments at interest), subject-to purchases (we take over your existing mortgage payments), and lease-option structures. These strategies frequently yield 90–110% of market value for sellers with timeline flexibility. Learn more about creative finance →
In a novation agreement, we take control of your property, fund all repairs and improvements, list it on the open market, and you receive 85–95% of the final sale price. You retain ownership until closing and spend nothing on renovations. It's designed for sellers who want maximum value without the work. Learn more about novation →
In a wholesale transaction, we connect your property with our vetted network of real estate investors who compete on price. You receive 65–75% of market value with a closing timeline of 14–30 days. No contingencies, no financing delays, and no fees to you. Learn more about wholesale →
When you contact us, a property specialist evaluates your home, your financial goals, and your timeline. They present every available option with real numbers for each path — so you can compare side by side and choose. There's never any pressure. The decision is 100% yours.
Each property is matched to one solution at closing, but you see all available options before deciding. Some sellers start exploring creative finance and then choose a cash offer for speed, or vice versa. The choice is always yours — and you can switch paths before any binding agreement is signed.
Cash and wholesale offers close in as little as 7–14 days. Creative finance options close in 30–60 days. Novation agreements close in 45–90 days. After reviewing your situation, we tell you exactly what timeline applies to each option so you make an informed choice.
The Process
What to expect from first contact to closing day.
A local property specialist contacts you within 24 hours to review your property and situation. They present all available offer options with real numbers. If you accept, we open escrow with a licensed title company and close on your chosen date. No pressure, no rush — ever.
None whatsoever. You can request an offer, review every option, and walk away at any time with zero cost and zero obligation. There is no contract, no fee, and no pressure. We earn your business by presenting the best options — not by locking you in.
Never. Regardless of which solution path you choose, you make zero repairs, do zero cleaning, and haul away nothing. We buy homes in any condition — from move-in ready to complete teardowns requiring full gut renovations. For novation, we fund all repairs ourselves.
No. Leave everything behind — furniture, appliances, junk, personal items. We handle all cleanouts and debris removal after closing at our expense. You take what you want and leave the rest.
Not necessarily. Many sellers close remotely using a mobile notary or power of attorney. This is especially helpful for out-of-state sellers, inherited properties, or relocations. We coordinate all logistics so closing is convenient for you.
Fill out our quick 3-minute form on the homepage, call us at (860) 750-9069, or visit our contact page. A local property specialist will reach out within 24 hours to discuss your property and present all available options. Zero cost, zero obligation.
Costs & Pricing
How we determine your offer and what you'll actually receive.
Zero. No agent commissions, no listing fees, no closing costs to you. We cover all transaction costs on every solution path. The offer number we present is the number you receive at closing. No surprises, no deductions.
We do. On every solution path — cash, creative finance, novation, and wholesale — Close With Creative pays all closing costs. The offer amount we present is the exact amount you receive at the closing table.
We analyze comparable recent sales in your area, current market conditions, your property's condition, and estimated repair costs. For cash and wholesale, the price reflects as-is value. For novation, it reflects after-repair value minus renovation costs. For creative finance, it reflects full market value with structured terms. Every number is transparent and explained.
Our goal is to present the highest possible offer for your situation. Cash offers are 70–80% of market value — a fair trade for speed, certainty, and zero costs. But if you have time flexibility, our creative finance (90–110%) and novation (85–95%) paths often exceed what you'd net after commissions, repairs, and carrying costs on a traditional listing.
Our initial offer is based on the information you provide. After a brief property walkthrough or inspection, the offer may adjust if there are significant undisclosed conditions. However, we do not use bait-and-switch tactics. If the property matches your description, the number stays the same.
Seller Situations
Foreclosure, divorce, inherited homes, tenants, and more.
Yes. If you are behind on payments or facing pre-foreclosure, our fast-close cash path can often satisfy your lender, stop foreclosure proceedings, and protect your credit. Our subject-to creative finance option can also take over your existing mortgage payments. Time is critical — contact us immediately if you're facing a deadline.
Yes. We work respectfully with both parties and attorneys to ensure a fast, fair, and clean transaction. A quick sale removes one of the biggest financial stressors of divorce and lets both parties move forward. We can close in as few as 7 days if needed. Learn more about divorce home sales →
Yes — this is a specialty. We work alongside estate attorneys and families to simplify probate sales. We buy as-is, even if the home has been vacant for years or needs major repairs. Our novation path is especially popular for inherited homes because it yields the highest payout without the family spending a dollar. Learn more about inherited home sales →
Yes. We buy rental properties with tenants in place. You don't need to wait for leases to expire or go through the eviction process. We handle tenant relations and all transition logistics after closing.
Potentially, yes. If you are underwater on your mortgage, our subject-to creative finance option can take over your existing mortgage payments without requiring you to cover the difference out of pocket. We evaluate every situation individually — contact us for a confidential review of your options.
Trust & Legal
Privacy, licensing, title issues, and your rights as a seller.
Yes. All information you share with Close With Creative is kept strictly confidential. We never sell, share, or distribute your personal data to third parties. Your privacy is protected at every stage of the process.
Yes. We work with title companies and attorneys to resolve liens, judgments, code violations, and clouded titles. These are obstacles we navigate regularly. In many cases, we can close even when other buyers walk away because of title complexity.
Close With Creative is a professional real estate solutions company. We are not licensed real estate agents or brokers — we buy homes directly or connect sellers with our investor network. All transactions close through licensed title companies, and sellers are encouraged to consult their own attorney at any time.
Yes. Before the closing date, you can cancel per the terms outlined in your agreement. We build flexibility into every deal because life changes fast — and your selling strategy should change with it. We never pressure sellers to close if their situation has changed.
Still Have a Question?
We're real people who answer real questions. Call us, send a message, or fill out the form — a local specialist will get back to you within 24 hours with a straight answer.
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No repairs. No fees. No guessing. We show you every available path — with real numbers for each — and let you decide what works best for your situation.