We Get Paid When You Close. Not When You Sign Up.  ·  No Courses. No Learning Curve.
For Homebuyers

Your Family Deserves
a Home at Terms You Can Afford

The bank said no. The rates feel impossible. The down payment is out of reach. We've heard this story, and we have a different ending for it.

Apply. It's Free See How It Works
✦ 10% typical down payment ✦ Rates under 4% available ✦ 60–90 day close ✦ No fee until you close
The Real Problem

The Math Doesn't
Work for You.

You make good money. You've been saving. Your credit is fine. But the combination of 20% down requirements and 7%+ rates has made homeownership feel permanently out of reach.

Here's what the bank doesn't tell you: there are sellers right now who will let you assume their 2020–2021 mortgage. Or carry financing themselves at below-market rates. Or transfer ownership through a land trust with 10% down.

The deals exist. The issue is finding them, structuring them, and closing them legally, which is exactly what we do for you.

Conventional Bank Path

✗

20% down required, ~$90K on a $450K home

✗

6.75–7.5% rates = $400–600/mo extra

✗

30–90 days of qualification anxiety

UCR Creative Path

✓

10% down typical, far less capital required

✓

Rates under 4%, same house, $400–600/mo less

✓

60–90 day close with full legal protection

Who We Help

Sound Like You?

We work best with people in one of these situations.

The Priced-Out Professional

Good income. Good credit. But the down payment math simply doesn't work at current rates. You've been saving, just not fast enough for today's market.

The Course Graduate

You've taken the real estate courses. You know the terminology. You just haven't been able to execute a deal on your own. We do the execution part.

The Relocator

You're moving states and dreading the rate shock. Your equity won't stretch as far as you hoped. We find creative options in your new market.

Our Process

How We Get You Into
Your Home

We handle every step. You show up at closing.

1

Free Consultation

Tell us your budget, target area, timeline, and how much you have for a down payment. 20–30 minutes. We'll know quickly whether we can help and what your options look like.

2

We Source the Deal

We identify motivated sellers with assumable loans, willing to carry financing, or open to a trust transfer. We negotiate the terms, rate, down payment, timeline, on your behalf.

3

Clean Title Closing

Everything closes through a licensed title company. Full documentation. Title insurance. You get the keys legally. We get paid from the transaction, only when it closes.

Closed Transactions

Real Deals We've Closed

Not projections. Not hypotheticals. Actual closings.

The Twin Falls, Idaho home Lance and Dallon bought on seller financing Lance & Dallon · Seller Finance

$589K Home at 3%
With $40K Down

1977 Tamarack Loop, Twin Falls, ID 83301

Lance and his partner Dallon were looking at $250K houses they didn't want, because that was all the bank math allowed. They ended up in twice the house for the same down payment and roughly half the monthly payment. The hot tub came with it.

The Unconventional Way

Purchase price$589,000
Down payment$40,000
Interest rate3% / 30 yr
Monthly PITI$2,314.61

The Bank's Way

Purchase price$589,000
Down payment$117,800
Interest rate7% / 30 yr
Monthly PITI$3,134.91
The Canyon Lake, Texas home Elizabeth bought through a trust acquisition Elizabeth · Canyon Lake · Trust Acquisition

$349K Home at 3.25%
With $25K Down

1745 Blueridge Dr., Canyon Lake, TX 78133

The sellers had been transferred for work and were carrying two mortgages on a house that would not sell. We took over the debt and put money in their pocket at closing. Elizabeth had always wanted Canyon Lake. She got it at 3.25% at the peak of the rate market, with no credit pull and no bank inquiry.

The Unconventional Way

List price$349,900
Down payment$25,000
Interest rate3.25% / 30 yr
Monthly PITI$2,042.52

The Bank's Way

List price$349,900
Down payment$69,980
Interest rate7% / 30 yr
Monthly PITI$2,223.00
Let's Be Honest

We Know What
You're Thinking

These are the real objections. Here are the real answers.

Is this too good to be true?
We get it. The numbers sound like a scam. But creative financing, subject-to, seller financing, trust acquisition, has existed for decades. We're not creating loopholes. We're using legal structures most buyers don't know how to access. The deals are real. Ask to see our closing documents.
What's the catch? How do you make money?
We charge a service fee at closing, typically structured into the deal. We only collect when you close. If we don't find a deal you want to close, you owe us nothing. Our business model only works if yours does. That's the entire model.
What about the due-on-sale clause?
Due-on-sale means the lender can call the loan due when ownership transfers. Banks have this right, but rarely invoke it on performing loans. We use proper trust structures and professional loan servicing to manage this risk. We educate every client on this before we proceed. No surprises.
Why haven't I heard of this before?
Banks don't advertise alternatives to bank loans. Real estate agents earn commission on conventional sales. The education industry profits from courses. Nobody in the mainstream has an incentive to tell you this exists. We do, because we get paid when you close.
Do I need perfect credit?
We work directly with sellers, not banks, so traditional bank credit standards don't apply the same way. Sellers care about your stability, your down payment, and whether you'll make payments. Apply and we'll tell you honestly what we can do.
Is the closing actually legal and protected?
Every deal we close goes through a licensed title company. Full title search. Title insurance. Legal documentation. Real estate attorney involved in every transaction. This isn't a handshake deal, it's a properly closed real estate transaction.
Client Stories

From People Who
Were Exactly Where You Are

★★★★★

"I was convinced I'd be renting forever. Every time I ran the numbers, they didn't work. UCR showed me a completely different math, and then they did the deal for me. My kids have a yard now."

A
Amanda K.
Homebuyer, Colorado
★★★★★

"We applied on a Tuesday. Had a property identified by Thursday. Closed 72 days later. I spent years thinking I had to learn all of this myself. I didn't."

R
Robert & Lisa M.
Arizona
★★★★★

"The due-on-sale thing scared me. Kira walked me through it for 45 minutes until I understood. That level of transparency is why I trusted them. Closed 3.1%, 8% down. Couldn't be happier."

T
Thomas W.
Subject-to buyer, Ohio
Take the First Step

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and Takes 5 Minutes

Tell us your situation. We'll tell you honestly what's possible. No pressure. No commitment. Just a conversation about your home.

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