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What does "Creative Finance" even mean?
Great question! Considering nearly 93% of home sales in the US are properties that are listed by an agent and sold on the MLS (Multiple listing Service), it is generally assumed this is the only way to sell a house. Enter Creative Finance! The Following 3 strategies cover the main options when selling your house creatively, all with vastly different goals, processes, timeframes, prices etc.
Owner Finance
This would be the 2nd most generally known option to sell a house outside listing with an agent. All you need is a house that is Free and Clear, meaning there are no liens or mortgages attached. The seller will then "Finance" the buyer (us) and act as the bank would in any other home purchase. The Seller deeds the property to the buyer, and in turn, a promissory note is created which is basically your mortgage agreement. Seller receives monthly payments (mailbox money) and the buyer now owns the property!
Typically in these transactions, we can create balloon payments if the seller needed the entire amount in a 4-10 year timeframe. However, we the buyer can usually pay a higher price due to the structure of this type of deal!
"Subject To"
This is our bread and butter strategy here at TruInvest. We have been doing deals like this since 2019 all over Colorado! Simply put; the seller transfers deed of the property to the buyer, all while, the current mortgage remains in place. We'll make the payments, and you can walk away knowing you'll never have to worry about it again. If you have any equity in the property, depending on a few factors, we can cash out your equity at closing and maintaining your loan in place. There are a few valuable benefits for this strategy: 1. If you have little or no equity in the property, we can take over the property without you needing to come out of pocket just to sell your house paying realtor commissions and closing costs. 2. If you are in foreclosure, we can make the payments up for you and continue to make payments all the while helping your credit score!
CASH CASH CASH
SHOW ME THE MONEY! We'll cash you out on your property. Its that Simple!
How it Works
After 6+ years of business, we have dialed in the process for you to go from Call to Cash!
Step One - Consultation Call
Schedule a call with our Acquisitions Manager
- We Learn more about your situation and cater to your needs
- Schedule inspection to confirm major systems (Electrical, Foundation, Roof, Mechanical)
- We decide together what the best route is for your property and situation
- If we are the correct choice for you, we'll sign sales agreements and we are under way!
Step Two - Schedule & Close
Escrow & Closing
- We do the work from here gathering all documents together in accordance with one of the many title companies we work with here in Colorado.
- We'll open escrow, collect payoffs if needed, prepare closing docs, and work through any liens or encumbrances if needed. You just need to enjoy your life
- We mutually agree on a closing date in which we will sign closing docs and close the transaction!
- You get PAID!!
Helping People. Strengthening Communities. Building Futures.
At Tru Community Foundation, we believe your starting point shouldn’t determine where you finish.
We exist to help people who need a little—or sometimes a lot—of help getting to a better place. That means supporting individuals with disabilities so they can live comfortably, safely, independently, and with dignity. It means giving disadvantaged children the encouragement, resources, mentorship, and opportunities they need to grow into confident adults who can build meaningful lives and give back to their communities.
But our work doesn’t stop with a check or a donation.
We believe in getting involved.
We work with communities, families, organizations, caregivers, and charitable partners to create practical solutions that make people’s lives better. Whether that’s helping provide a safe place to live, creating opportunities for someone with a disability, supporting a child who needs a second chance, or simply showing up when someone needs a hand—we’re here.
Because sometimes people don’t need someone to save them.
They just need someone to believe in them, invest in them, and give them a chance.
And if we can make the community a little stronger, someone’s future a little brighter, and maybe have a little fun while we’re doing it…
That’s a pretty good day’s work.
Tru Community Foundation
Building stronger communities. Creating better futures. Leaving nobody behind.
Program Director: Janet Irene Medina
225 S Academy Blvd. Ste 201-A
Colorado Springs CO 80910
719-320-1027
abcnotaryco@gmail.com
