SAVE MONEY & PROTECT YOUR CREDIT
On the traditional sale of a home, the seller, on average, receives only 85% (or less) of the asking price (after paying all costs and realtor fees).
​
We can cut your expenses in half, or more, because we do not charge a commission and you do not pay closing costs in these transactions.
​
If you can't make your payments, we can step in and keep them up to date and protect your valuable credit.
CLOSE QUICKLY,
NO HEADACHES
We can buy your home in as little as 7 days if you need us to. If you need more time, let us know... its no problem. We won't ever rush or pressure you.
​
In a traditional sale, it can take an average of 75 days to sell your home and another 30 days to close the deal. We work much faster.
​
No headaches! We are not acting as Realtors in these transactions (though we have extensive experience in the real estate field).
-
You don't have to deal with banks
-
You don't have to deal with a pushy salesperson.
-
You don't have to deal with unreasonable requests from buyers
-
You make the decision on whether or not our system works for you!
NO RISK, NO OBLIGATION, FAST RESPONSE
We will make an offer on your home within 24-48 business hours. There is no risk. There is no obligation.
​
We don't use "hard sell" techniques. In fact we won't sell you at all! We only want to work with those who will really benefit from our solutions. If you like what we have to offer, great! If not, we will thank you for your time and be out of your hair.
IT DOSEN'T MATTER IF...
-
You Are Late On Your Payments
-
Your Property is in bad condition
-
You Can't Afford a Realtor/Closing Cost fee
-
You Property Hasn't Been Able To Sell In the Past
-
Currently in Forclosure
-
Just Need To Sell FAST!
​
WE CAN HELP
Our home buying solutions are designed to solve problems just like these!
If You Want Us To Make An Offer On Your Home
All you have to do is click below to fill out our brief questionnaire. We will get in touch with you within 48 business hours and make an offer on your property.
​
We will make every effort to answer any questions you might have about our program and if you like what you hear, we'll complete the arrangements and go to closing on your home as soon as you are ready.
​
It's as easy as that! We look forward to speaking with you.
Our Specialty: The Seller Finance Advantage
Are you trying to sell your house in the traditional way, using Realtors and paying
exorbitant commissions and fees? Haggling and negotiating over every dime and detail?
Waiting a long time to close and move on?
Are you trying to sell by owner, only to find yourself with expensive advertising
bills and a house filled with strangers peering into your bedrooms and bathrooms?
Perhaps you’re considering an, “All Cash Today”, offer, only to discover that you must discount
the price 30% or more below market value.
Consider Real Estate's Hidden Gem......
The Seller Finance Advantage!
​
What is seller financing? In short - Seller financing brings the owner of the home from the bottom of the totem pole to the top by making them the lender, instead of the bank! there are quite a few ways to do seller financing, but the most common is called an "Agreement for sale".
​
With "agreement for sale", the buyer pays the seller their full asking price, split up into equal monthly payments. We base the payment amount on a variety of factors, but it always covers the sellers current monthly payments on the property.
​
The process is very similar to leasing a vehicle. The seller maintains 100% ownership of the property until it is paid off. The buyer is made a "beneficiary owner" but does not own the property title officially until they pay out the asking price in full. This can be anywhere from 3-20 years depending on what works best for the seller. If there are commissions or closing costs to be paid, they are covered by the buyer. The great thing about this system is it is very seller focused, and it is very customizable to fit each sellers situation and needs.
​
​
While the traditional home sale system seems easiest because we are so used to it, we find that this option only really benefits the banks and the tax people. The seller often has to take a reduced price for their property, they spend a lot of the remaining money on excessive closing costs and a very lengthy closing period, never mind paying monthly costs towards the property while waiting for a buyer. Then when the seller receives their lump sum, they lose more to capital gains (50% of the purchase price is taxable). The buyer also doesn't win because banks these days are turning away more and more respectable Canadians with very stable income because their standards are getting out of reach for most people. So if the buyer is even able to get a mortgage they pay sky high interest rates.
​
​
​
​
​
​
​
​
​
​
​
​
​
​
​
​
​
​
Our Seller Financing Program
Get an offer within 24-48 business hours
We will chat with you and hear about your property, and your unique situation and goals. We will then send you a fair, no obligation an offer.
Receive exactly (or very close to) your asking price.
We can pay you your asking price, no lowball offers!
You choose your closing day
Once we make an offer, we are able to close in days, not months. You pick the date that is best for you.
Save BIG on taxes, we pay all closing costs
By spreading payments out you save huge on capital gains taxes! Closing costs can add up, which is why we cover them for you. Absolutely zero extra costs or hidden fees.
No Hassles!
We buy your house “as-is,” so there are no open houses, no weekend showings, and no need to fix it up first. No need for renovations. No upkeep costs.
We’ll cover any repairs or renovations
Does your house need repairs? We’ll handle them for you. You can even leave behind unwanted items and we’ll haul them off – no extra charge.
Zero fees. Zero commissions
Since we’re buying your house, we charge no fees and no commissions. The sales price is the amount that goes into your pocket.
The Traditional Way
The months it takes to sell add up
Your home is costing you money the whole time it sits on the market. Some people just can’t wait 90 days to sell their house.
You often have to accept lower offers to sell
Most offers for properties on the MLS receive lowball offers, and the seller often has to take a price cut to avoid costly extra time waiting for another offer.
It takes forever to close
It takes anywhere from 30-60 days to close after accepting a buyer’s offer – that’s assuming that their financing doesn’t fall through…
Heavy taxes, 2% in closing costs paid by you, the seller
A Traditional sale ends with a lump sum of money, and thus, big capital gains. In a traditional sale, the taxable amount is 50%. On average, a seller is also responsible for up to 2% of the sales price in the form of closing costs. Never mind realtor commissions! All of which comes out of your pocket.
Plenty of showings and disruption to your life
Not only do you have to get your house ready to show, but the number of showings can provide a serious disruption to your life. And if you already live somewhere else, you pay additional upkeep expenses to keep the place "showing ready" such as cleaning, landscaping and snow removal.
You could be on the hook for repairs
Depending on what pops under during the inspection period, you could be on the hook for repairs that you didn’t know you needed. Buyers may try to further reduce the price because of repairs or renovations they feel they would need.
Fees and commissions stack up
In addition to closing costs, commissions and fees stack up and reduce how much goes in your pocket. On average, 6% in commissions/fees are paid by a seller.
Seller Financing is quick to complete, stressfree to maintain, and most profitable for the seller.Contact the only Creative Financing specialist who works for you, thehomeowner.
We are prepared to serve your real estate needs, whether you own a $40,000 handyman or a multi million dollar estate.
BENEFITS TO THE SELLER
RECEIVE EXACTLY (OR VERY CLOSE TO) YOUR ASKING PRICE. NO LOWBALLERS.
With seller financing, the buyer can pay exactly (or very close to) what the seller is asking for their properties, through equal monthly payments. So the seller doesn't have to deal with lowball offers anymore
FREE OF ALL HASSLE!
NO BEING A LANDLORD, NO DEALING WITH REPAIRS/MAINTENANCE, SET IT AND FORGET IT.
Once the deal is complete, the seller can essentially "set it and forget it". No dealing with or even thinking about the property anymore! When the buyers take on the property, they may choose to either live there, or find a tenant to live there instead. However, the seller has no involvement in any landlord duties, tenant issues, maintenance or repairs. You wouldn't go to RBC bank and tell them to fix your furnace if it broke down, the same applies to the seller. Hassle free!
EQUAL MONTHLY PAYMENTS THE SELLER CAN COUNT ON
The purchase price is divided into easy, equal monthly payments you can count on, with a balloon payment at the end of the lease term.
SAVE BIG ON CAPITAL GAINS & CLOSING COSTS - KEEP MUCH MORE OF YOUR MONEY
A Traditional sale ends with a lump sum of money, and thus, big capital gains. In a traditional sale, the taxable amount is 50%. With payments broken up and sent over a longer period, the seller walks away with much more of their money.
NO RENOVATIONS NEEDED!
PROPERTY PURCHASED
"AS IS"
All renovations and maintenance are entirely completed and funded by the buyer. The buyer would purchase the property "as is" and make any changes or fixes on their own time/dime.
REAL ESTATE AGENTS GET THEIR FULL COMMISSION (If you're using one)
We love our hard working realtors, and want to make sure they get paid too! The downpayment covers their full commission, and all closing costs.
NO EXCESSIVE CLOSING TIME. GET THE SALE DONE QUICKLY
Traditional home sales often take months of inspections, appraisals, insurance people poking around, which can take months. A seller finance deal can be done in a couple weeks.
NO RISK TO THE SELLER
The buyer controls the property but the seller owns it. In the extremely unlikely event that the buyer misses a mortgage payment, they would go into default. The property goes back to you, and the buyer would lose the property and all of the money/equity they had put in. Trust me, buyers will be very motivated to never miss a payment. So no loss for the seller - even if the buyer is abducted by aliens (lol)
Customizable TERMS! CHOOSE BETWEEN A 3-20 YEAR TERM
Choose between a 3-20 year term. We work with the seller to find a great solution for their unique situation and goals! Some prefer a short term, and some find benefits with a longer term, There are so many options!
How the seller stays risk free and protected
Common question: What if the buyer stops making payments? And how do I know the payments are going to the right place?
All mortgage and interest payments will be handled by a third party service (similar to a payroll company), that would take the money out of the buyers account, and distribute it to the correct places. A portion of the payment would be transferred directly to the mortgage owing. The rest (the equity and interest) would go directly to the seller as part of gradually paying off the property.
MAINTAIN OWNERSHIP
The ownership and title of the property belongs entirely to the seller until the buyer pays the final balloon payment at the end of the decided term.
The buyer has absolutely nothing to gain from missing payments, in fact, they have everything to lose. If they were to skip any payments (which would never happen unless they were basically abducted by aliens), they would immediately go into default and the property control would be taken from them and given back to the seller. They would lose their entire deposit as well as all of the equity they put towards the purchase through their payments. So its safe to say no buyer is going to let that happen! And if it ever did, the seller would have their property back, and all of the money already collected.
CONTRACTS MADE BY EXPERT LAWYERS
We have access to a handful of great, skilled lawyers who can handle both the seller side and the buyers side. They specifically specialize in seller financing and know how to make an air tight agreement that leaves no chance of issues down the road.
And of course, if the seller wishes to use their own lawyer, they are absolutely welcome!
How Does It Work?
1
Send us info on your house using our form below! No obligation and no pushy sales people calling/emailing. We only work with those who can really benefit from our system!
2
We call you to chat about your unique situation and your needs/goals. We explain in more detail how Seller Financing works, You ask any and all of your questions (We know you'll have lots and we're happy to answer - no dumb questions here!)
During this chat we work together to determine if this program will benefit you as the seller!
3
We take the information you've given us, and put together a deal we feel would work best for your situation. We may request to view the property.
We send you our offer - if it works for you we move onto our quick closing system!
4
We have a quick inspection done to make sure the property's "As is" condition is correctly described in our Agreement for Purchase Contract.
5
We work with our specialized lawyers to draft up an Agreement of Purchase contract for both sides to sign.
And that's it - we close the sale, property is off your hands and you can move on with your life! We set up a third party service to facilitate auto payments. They takes the payment out of our account and distribute it to the right places, so no effort on your part.
6
You'll be contacted as the lease term end date approaches, to give you information on the final lump sum balloon payment. The final balance is paid, and the home title and full ownership is officially transferred over to the new owners and you are free and clear! Walking away with your full asking price & massive savings on closing costs and capital gains taxes. Yay!
TESTIMONIALS
Our Most Recent Success Story - May 2023
Condo in Terra Losa, Alberta
​
The seller of a lovely 2 bed, 2 bath condo in West Edmonton reached out to us in May of 2023 asking if we could help them sell their property quickly. They weren't in town and had been trying to sell the condo on the regular market for months with only a few lowball offers coming in. The place was well maintained but hadn't been renovated recently, needed the AC unit repaired, and some other TLC, which was no problem to us!
We chatted with the seller on the phone to hear about them and their unique situation, explained how our seller financing process works, and answered all of their questions. We were able to offer them their full asking price, and terms that aligned with their retirement goals. They chose a longer term to receive more tax savings. We were able to close in under 2 weeks, before their next out of pocket mortgage payment, and they were able to walk away from the property with the peace of mind that everything was taken care of.
​
Within 1 week, we had lightly renovated the space, and fixed up the AC. We had many offers of lovely Rent-To-Own families who are on our ever growing mailing list for new properties we have available, and we found a couple who would be a perfect fit, and adored the property. They moved in by the end of the month and have taken care of it wonderfully since, even making some beautiful renovations of their own.
​
In just over 2 weeks we had a happy seller, able to get their full asking price and the ability to move on, and we got a lovely new family into their new family home.
Email: contact@flourishpropertygroup.com
Tel: 587-568-1414