Seller Financing

Seller financing is an alternative to a traditional mortgage where the seller acts as the lender instead of a bank. Rather than receiving the full purchase price at closing, the seller allows the buyer to make agreed-upon monthly payments over time.

This option can benefit both parties. Buyers who may not qualify for conventional financing can still purchase a home, often with more flexible terms and a faster closing process. Sellers can attract more buyers, earn interest on the loan, and potentially receive a higher sale price while creating a steady stream of income.

The terms—including the down payment, interest rate, payment schedule, and loan length—are negotiated between the buyer and seller and documented in a legally binding agreement. Many seller-financed deals also include a balloon payment or refinance requirement after a set period.

Seller financing isn’t the right fit for every situation, but it can be an excellent solution for homeowners looking to sell quickly or buyers seeking greater flexibility.

At Rush House Buyers, we help homeowners explore all of their selling options—including seller financing—to find the solution that best fits their financial goals.