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Some of our favorite creative finance opportunities right now.
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How It Works
Creative finance made simple — from browsing to closing
Find the Right Deal
Make It Your Own
Close Without Banks
Why Creative Finance Wins
Here’s why thousands are choosing our platform over traditional methods
Buy with Less
Flexible Terms
Skip the Banks
Who It's For
Find the perfect home with flexible financing options that work for you
Home Buyer
Agents
Investor
Frequently Asked Questions
Everything you need to know about creative financing and The Legacy Homez
What is creative financing, and how does it work?
Creative financing refers to alternative methods of buying property without traditional bank mortgages. It includes seller financing (where the seller acts as the bank) and subject-to deals (taking over existing mortgages). These methods often offer more flexible terms, lower down payments, and easier qualification processes.
What are the benefits of seller financing?
Seller financing offers numerous advantages: lower down payments (often 5-15%), flexible interest rates, no strict credit requirements, faster closings, and negotiable terms. It’s perfect for buyers who want to avoid traditional bank requirements or need more flexible payment structures.
What does "Subject To" mean?
“Subject To” means buying a property by taking over the seller’s existing mortgage payments. The original loan stays in the seller’s name, but you get the deed and make the payments. This method often requires less money down and lets you benefit from existing low interest rates.
How do I find properties with specific financing options?
Legacy Homez makes it easy to find properties with creative financing. Use our advanced filters to search by financing type, down payment amount, interest rate, and more. Each listing clearly shows the financing terms and monthly payments.
How can I list my property on Legacy Homez?
Listing your property is simple. Create an account, click ‘Post a Deal’, and follow our step-by-step process to specify your property details and financing terms. Our platform helps you reach qualified buyers specifically looking for creative financing opportunities.
What are the typical terms for seller financing?
While terms are negotiable, typical seller financing includes 5-15% down payments, interest rates between 4-8%, and loan terms of 15-30 years. Some deals include balloon payments after 5-7 years. The Atlas helps you find deals matching your preferred terms.