What is Seller Financing?

With seller financing (Seller Carryback), you sell directly to True Start Homes without dealing with banks, agent fees, or the uncertainty of the market.

Instead of waiting months for a buyer, you receive a down payment upfront and steady, predictable monthly income—all while securing a higher price for your home.

We structure fair and transparent seller financing deals that provide you with steady payments, interest income, and a stress-free sale.

Instead of getting a loan from a bank, we make payments directly to you over time.

  • You receive a down payment upfront

  • We make monthly mortgage-style payments directly to you

  • You earn interest on the sale, making more over time than if you had sold for cash

  • You save thousands on taxes

  • You don’t have to manage the home, deal with tenants, or handle repairs

This allows you to sell your home easily while continuing to profit from it without the headaches of listings, showings, agents, low offers, price reductions, days on market and waiting for the right buyer to show up.

Real Life Example

Linda M. owned a $180,000 home that she wanted to sell. After looking at her options, she realized that a traditional sale would cost her thousands in fees and taxes and leave her with far less than her home’s value.

If she had listed with an agent, and assuming she got an offer for her full asking price, Linda would still need to pay:

💰 6% in agent commissions: $10,800
💰 1.5% in closing costs: $2,700
💰 1.5% in repairs: $2,700
💰 15% in capital gains tax: $27,000

Total selling costs: $43,200

That meant she would have walked away with $136,800—significantly less than her home sold for.

Instead, she sold directly to True Start Homes using seller financing and maximized her earnings.

This was our offer:

✔ Sale Price: $180,000 (full asking price)
✔ Down Payment: $9,000 (immediate cash for Linda)
✔ Interest Rate: 5% (a fair and sustainable rate)
✔ Loan Term: 20 years (fully amortized)
✔ Monthly Payment: $1,128.52 per month (principal + interest)

This is how we both won:

  • Linda received an upfront payment of $9,000—giving her immediate financial flexibility.

  • Instead of walking away with only $136,800 from a traditional sale, she will receive $279,846 over 20 years.

  • She earned $108,846 in interest, significantly increasing her total earnings.

  • She secured steady, predictable monthly income of $1,128.52—similar to what she’d earn from renting, without the hassle of being a landlord.

  • We were able to purchase the property quickly and smoothly, without bank delays or excessive paperwork.

Instead of dealing with the stress and expenses of a traditional sale, Linda maximized her earnings while securing a reliable long-term income stream. Meanwhile, True Start Homes handled everything, from papers and attorneys, to underwriting and title checks- making it a simple, stress-free experience.

Who is Seller Financing For?

This option is a great fit if:

✔ You own your home outright

✔ You want to sell without agent fees or closing costs – Keep more of your money by selling directly.

✔ You prefer monthly income over a lump sum – Instead of cashing out all at once and paying dozens of thousands in taxes, you receive steady, reliable payments from True Start Homes while earning interest.

✔ You want a smooth, guaranteed sale – We handle everything, so there’s no waiting, no bank delays, and no uncertainty.