Creative financing — 90 to 110% of your home's market value
Creative financing from Close With Creative pays 90-110% of your home's market value and closes in 30 to 60 days. It covers seller financing, subject-to purchases and lease-option structures. These are established real estate strategies that institutional investors use routinely; we make them available to individual homeowners, with attorney-drafted agreements and a licensed title company holding everything in escrow. You pay no fees.
Creative financing is the highest-paying of the four paths at 90-110% of market value, in exchange for a 30 to 60 day timeline instead of 7 to 14. It suits sellers with real equity and some flexibility on time.
You have spent years building equity in your home. The idea of selling it for 70 cents on the dollar feels wrong — because for your situation, it is. If you have the flexibility to wait 30 to 60 days instead of 7, creative financing can yield 90-110% of your home's market value.
Creative finance includes seller financing, subject-to purchases and lease-option structures. These are not gimmicks — they are proven real estate strategies that the largest institutional investors in the country use every day. We make them available to everyday homeowners, with full legal protection and transparent terms at every step.
This path is right for you if
- Maximizing your payout matters more than speed
- You have significant equity in your home
- You are open to monthly payments at interest
- You want passive income from your property
How the creative finance path works
- 1
We evaluate your property and equity position
Then model multiple creative scenarios with real numbers.
- 2
You see every option side by side
Seller financing terms, subject-to structure, lease-option projections — compare the outcomes.
- 3
Choose your structure and close
Our attorneys draft all agreements, and a licensed title company holds everything in escrow.
I had a job transfer with two weeks notice. They structured a creative finance deal, handled all the paperwork, and I was on a plane to my new city without a single worry. I walked away with $38k more than the cash offer would have been.
The other three structures
We price your property against all four and show you every outcome side by side. Creative Finance is one answer, not the only one.
Creative Finance — common questions
What is creative financing in a home sale?
An umbrella term for structures other than a straight cash purchase: seller financing, where you carry a note and receive payments at interest; subject-to, where the buyer takes over the existing mortgage payments; and lease-options, where a tenant-buyer leases with a right to purchase. Each pays more than cash because the buyer's capital is not tied up at closing.
Why does creative financing pay more than a cash offer?
Because it does not require the full purchase price on day one. That lets us price closer to, or above, market value — 90-110% — rather than at the 70-80% a cash purchase requires.
What is a subject-to purchase?
The buyer takes title and takes over the payments on your existing mortgage, which stays in your name. It closes fast and can pay near full value. Because the loan stays in your name, the terms and the protections around it matter — our attorneys draft the agreement and a title company holds it in escrow.
Is seller financing safe for me?
The protections come from how the deal is papered. Agreements are attorney-drafted, a licensed title company handles closing and escrow, and the terms are on the table in writing before you sign anything. Read them, and take them to your own attorney if you want a second opinion.
How long does creative financing take to close?
30 to 60 days. Longer than cash, because the structure is drafted rather than templated, and that time is what buys the higher number.
Whatever you are facing, there is a path
Life rarely sells a home on schedule. These are the situations we are asked about most, and what each one actually changes about your options.
Get your free offer options today
Tell us about the property and we will come back within 24 hours with every structure it qualifies for. No fee, no obligation, and you pick the closing date.