What Is a Seller-Carry / Seller-Finance Note?
In a seller-financing transaction, the buyer and seller agree on a sale price for the property. Instead of relying on bank financing or traditional lenders, the seller provides financing for a portion of the purchase.
The terms Seller-Carry and Seller-Finance are used interchangeably.
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The buyer signs a promissory note outlining the repayment terms, including the loan amount, interest rate, maturity date, amortization schedule, and any applicable balloon payments.
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The seller secures repayment with a deed of trust or mortgage loan, creating a lien on the property.
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The buyer receives the deed, moves in, and makes monthly payments directly to the seller, often with interest.
This is how seller financing works: the seller essentially steps into the role of lender.
Why Sellers Choose Seller Financing
✔ Attract more buyers who may not qualify for traditional mortgages.
✔ Earn interest income—often at higher interest rates than savings or CDs.
✔ Defer capital gains taxes through the installment method.
✔ Retain the option to sell the mortgage note later for a lump sum of cash.
Cautions for Realtors
While seller-financing deals can be powerful, they must be appropriately structured. Realtors should:
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Always use a real estate attorney and title company to ensure compliance.
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Advise clients on risks such as default, balloon payments, and ongoing management of the note.
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Partner with trusted resources (like Secured Capital Resources) to give sellers exit strategies—including the ability to sell a mortgage note to a private mortgage note buyer.
Why Realtors Benefit from Seller Financing
✔ Ability to price a property 5% higher when offering seller financing.
✔ Close more deals when buyers struggle with strict lending requirements.
✔ Earn your commission at closing—just like a traditional transaction.
✔ Provide clients with creative alternatives and expand your professional toolkit.
Partnering with Secured Capital Resources
At Secured Capital Resources, we help Realtors:
Educate clients about types of seller-financing agreements
Provide solutions for buyers and sellers who prefer creative financing
Connect sellers with opportunities to sell a mortgage note and convert long-term payments into immediate cash
Add value to every transaction with trusted, professional note solutions
Seller-Financing Solutions for Realtors
Helping You and Your Clients Navigate Seller-Carry Transactions
As a realtor, you may have clients who can’t secure traditional financing but still want to buy or sell a property. In these cases, seller-carry or seller-financing transactions create opportunities for buyers, sellers, and you.
At Secured Capital Resources, we partner with realtors to provide seller-financing solutions, private mortgage note strategies, and note buyer options that help your clients succeed while strengthening your business.