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Carry Back Pro — Seller Financing, Done Right

Structure it correctly, service it professionally, and protect both sides.

Why Seller Carrybacks

Traditional loans don’t always fit — maybe the buyer is self-employed, maybe the property doesn’t conform, or maybe flexibility just matters more.
That’s when a seller carryback (aka seller financing) shines.

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Benefits:

  • Sellers move property faster and earn income.

  • Buyers purchase when conventional financing isn’t an option.

  • Both parties get flexibility to structure terms that fit their goals.

Where We Help

Residential (1–4 Units), Lots & Land, Mobile Homes

  • Investor / Non-Owner-Occupied: full Carry Back Pro service, including buyer evaluation, structure guidance, and servicing.

  • Owner-Occupied SFR & Mobile: servicing setup only (no buyer evaluation).

 

Commercial – All Property Types
We provide full Carry Back Pro service for all commercial properties, including lots and land.

What We Do

1. Buyer Evaluation

We review credit, income, assets, debt-to-income, and reserves, then assign a simple rating (Excellent / Good / Fair / Poor).
You’ll also get a clear picture of projected payments and how professional servicing works — no guesswork.

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2. Professional Loan Servicing

We coordinate with a trusted third-party servicer who:

Collects and distributes monthly payments

Manages impound accounts for taxes & insurance

Tracks senior liens and follows up on missed payments

Handles CA FTB Form 593 and foreclosure coordination if needed

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3. Deal Structure Guidance

Every carryback is unique. We’ll help you test interest rate, amortization, term, and risk structure so it fits the property and both parties — while you stay in control of the final terms.

Signature Strategy: “Low Down – Low Rate”

Because we handle buyer evaluation and professional servicing, sellers can confidently offer terms that attract more buyers:

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  • Down payment: typically 10–15%

  • Origination: 2–3 points to seller

  • Terms: around 4.5–5.5% interest-only for 24–36 months

 

It’s a win-win: sellers move properties faster, and buyers get a bridge into ownership.
We also feature these deals to our network of 2,000+ CA builders and contractors — extra exposure for your listing.

 

Ask about the Low Down – Low Rate strategy for your property.

Pricing

All-in professional service: $995 total.
You decide who pays — the seller, the buyer, or split it 50/50.

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That small investment ensures your carryback is structured correctly, serviced properly, and fully compliant.

Servicing FAQ

What is loan servicing and why use it?
A neutral third-party manages payments, taxes, and compliance so everything stays professional and transparent.

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What types of loans can be serviced?
Fixed, adjustable, interest-only, amortized, short-term, construction, or multi-lender notes.

Service levels & pricing (overview):

  • Full Service: payment collection, statements, tax forms, impounds, late/default management, CA Form 593, foreclosure coordination.

    • Setup: ≈ $45 • Monthly: from interest yield (≈ 0.5% of note rate; ~$54 min).

  • Basic Service: payments, ACH disbursement, monthly statements, year-end tax forms, digital communication.

 

​How does CA tax withholding work?
FTB may require withholding on principal portions of installment payments.
Your servicer handles the filings (Form 593). Opt-out is possible if reporting full gain in year of sale — check with your tax professional.

Why It Works

  • Clear expectations

  • Professional structure and servicing

  • Strong compliance backbone

  • Smooth payments and peace of mind for both sides

Ready to Set Up Your Carryback the Right Way?

Let’s make your seller-financed deal simple, compliant, and profitable from day one.

Fill out the form below or give us a call at 925-405-5992

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