Seller financing · Dallas–Fort Worth

Your client’s full asking price. Plus interest.

An alternative to a discounted cash offer when the property and terms fit. I’m a Dallas-based investor who works alongside listing agents. We pay you, the agent, your full commission at closing, and every deal closes through a Texas title company.

Discuss a property See the example
  • Your full commission paid at closing
  • Closed through a Texas title company
  • Seller’s note secured by a recorded lien
  • Simple, easy to understand terms
ELEVATION  ·  SCALE 1:50 Sheet 00 · Cover

Sheet 01 · The example

From your listing to your client’s final payment

One $500,000 sale. Half at closing. The rest over time, with interest.

  1. 1 · Offer

    Agree on the offer

    $500,000

    Purchase price

    Set the price and terms. Seller finances $250,000.

  2. 2 · Title

    Close through title

    $250,000

    Cash portion at closing

    Title completes the sale. You are paid your full agreed commission at closing.

  3. 3 · Monthly

    Seller receives monthly income

    $1,193.54

    Each month for 84 months

    4% fixed annual interest. Principal + interest payments.

  4. 4 · Paid

    Seller receives the final balance

    $215,148.51

    Balloon at year seven

    Remaining principal is paid. Seller note is satisfied.

How the $500,000 example pays the seller

  • At closing $250,000.00 50% of the price in cash
  • Over 84 months $100,257.36 $1,193.54 each month
  • Year 7 balloon $215,148.51 Remaining principal payoff
Purchase price$500,000
Scheduled interest$65,405.87
Total scheduled receipts$565,405.87

Full price plus scheduled interest. Buyer takes ownership at closing; the seller holds a recorded second lien until the note is paid.

Illustrative successful-payment scenario: a $250,000 seller note at 4% fixed annual interest, payments calculated over 30 years, with the remaining balance due at the end of year 7. Assumes all 84 monthly payments and the final balloon are paid on time. Figures are before payoffs, expenses and taxes; they include returned principal and interest and are not profit or today’s cash value. Cash at closing is reduced by any existing mortgage payoff and agreed seller expenses. Early payoff reduces interest. Our goal is the seller’s full asking price, with 50% at closing and 50% financed at 4%; price and terms depend on the property and final agreement. Illustrative terms only. Subject to underwriting, legal review and signed agreements.

Sheet 02 · Rationale

Why terms beat a lowball offer

A traditional cash investor needs a deep discount to hit their return. Creative financing earns the return from the structure instead. So the price doesn’t have to suffer.

Traditional cash offer

  • 60–75% of market value
  • Commission squeezed or excluded
  • Repairs priced against the seller
  • Take-it-or-leave-it terms

Blueprint creative finance

  • Your client’s full asking price, plus interest
  • Your full commission paid at closing
  • Bought as-is, no repair credits
  • Terms built around the seller’s goals

Sheet 03 · Security

Security you can understand

The seller’s note is secured by the property.

What second position means

  1. 1
    First mortgageSenior lender has priority
  2. 2
    The seller’s noteRecorded lien attached to the property

Buyer takes ownership at closing. The seller holds a recorded second lien until the note is paid.

Why everyone wants it to go well

A shared interest in performance.

Keeping payments current protects the seller’s income and the buyer’s investment.

  1. 01
    The first mortgage has priority.
  2. 02
    A senior foreclosure can extinguish the seller’s lien.
  3. 03
    The buyer’s invested capital is at risk too.
So everyone is financially motivated to make sure this goes well.

  • Everything goes through the title company

    Title handles closing, disbursement of funds and recording of the agreed liens.

  • Recorded and documented

    A promissory note defines repayment. A recorded deed of trust secures the debt.

  • Simple, easy to understand terms

    Every agreement is written in plain language, with no confusing fine print to decode.

Sources: TREC seller financing · Fannie Mae subordinate financing · Texas foreclosure guide.

Sheet 04 · Fit check

Straight answers before you decide

If a payment is missed

  1. 01
    Identify the default

    Servicer or seller reviews the missed obligation.

  2. 02
    Follow the legal process

    Required notices, cure periods and remedies are followed.

  3. 03
    Enforce if unresolved

    Foreclosure may be available under the documents and law.

Taking the property back is not automatic. Foreclosing a second lien does not remove the first mortgage. Legal costs, delays or a shortfall are possible.

Two questions to ask first

Does the seller need every dollar now?

This may not fit. Cash must cover payoffs, agreed expenses and the seller’s immediate needs.

When is the final balance due?

In this example, $215,148.51 is due at year seven, after 84 monthly payments.

Sheet 05 · For agents

Built to make you look good

Bring the hard listings. The ones a cash buyer lowballs and a retail buyer walks from.

Bring me a listing

  • Keep your client and your commission

    Paid in full at closing, written into the contract.

  • Creative finance for different scenarios

    We have different structures for different situations. Seller financing, as shown in the example, needs the seller to have at least 50% equity.

  • Offers you can hand over the same week

    Plain-language terms, not napkin math.

  • We pay referral fees

    If this isn’t a fit for your current seller, refer another agent whose listing is. If we do the deal with them, we pay you a $1,000 referral fee at closing.

Sheet 06 · Your sellers

When a normal sale isn’t working

A structured sale might. We have different creative finance structures for different issues, depending on what the seller needs. Situations I can usually help with:

  • Facing foreclosure
  • Little or no equity
  • Inherited or probate property
  • Tired of being a landlord
  • Divorce or estate split
  • Job relocation
  • Expired or withdrawn listing
  • Want monthly income, not a lump sum
  • Behind on payments
  • House needs work

Always free to explore. No obligation, no fees, no pressure.

Sheet 07 · Standards

How I keep it clean

Title-company closing

Every deal closed through a licensed Texas title company.

Recorded & documented

A promissory note and a recorded deed of trust secure the debt.

Commissions paid

Every listing agent paid in full at the closing table.

Simple terms

Every agreement is written in plain, easy to understand language.

Get in touch

Have a property in mind?

Send the address and a few details. You’ll get written options in 24–48 hours. Or just call.

No cost. No obligation. No pressure.

Submitting this form doesn’t create any obligation or agreement.

Reference

Questions agents ask

Is creative financing legal in Texas?

Yes. Seller financing and hybrid structures are well-established, legal strategies used across Texas, especially in higher-rate markets. Every deal is closed through a licensed Texas title company with proper documentation.

Do you really pay me my full commission?

Yes. Your full agreed commission is paid at closing under the final agreements, written into the contract, just like a traditional sale.

What happens to the seller’s existing mortgage?

It depends on the structure. In the seller-financing example above, any existing mortgage is paid off from the cash at closing, at the title company. For other structures, it’s one of the first things we map out in a consultation. Send the details and I’ll walk you through the options.

What will the paperwork look like?

Simple. Every agreement is written in plain, easy to understand terms. Everything goes through the title company, which handles closing, disbursement of funds and recording of the agreed liens.

What if the buyer misses a payment?

The seller’s note is secured by the property through a recorded deed of trust. If a payment is missed, the default is identified, the required notices and cure periods are followed, and foreclosure may be available under the documents and law if it isn’t resolved. Taking the property back isn’t automatic. Foreclosing a second lien doesn’t remove the first mortgage, and legal costs, delays or a shortfall are possible.

Is seller financing right for every listing?

No. The seller needs at least 50% equity in this structure. If the seller needs every dollar at closing, it may not fit either, because the cash portion has to cover any mortgage payoff, agreed expenses and the seller’s immediate needs. It’s also worth knowing when the final balance is due: in the example above, $215,148.51 at year seven, after 84 monthly payments.

Will you close on this yourself?

I buy directly and I close. Depending on how a specific deal is structured, the closing may involve a partner or co-investor. That depends on the entity, the financing, and the seller’s goals. Either way, your commission is written into the contract and paid at closing, and the terms your seller agreed to don’t change.

What areas do you cover?

The Dallas–Fort Worth metroplex.

What does it cost the seller?

Nothing is paid to me. No fees, no commissions. The seller’s cash at closing is reduced only by any existing mortgage payoff and agreed seller expenses, which are agreed in writing. Homes are bought as-is.

How fast can you close?

On the seller’s timeline. Written options come back in 24–48 hours. Closing dates are built around what the seller needs.