Frequently Asked Questions
Find answers about property reviews, creative financing options, cash purchases,
timelines, and what to expect when working with RealHomeRelief.
Takes less than 2 minutes
No obligation to proceed
Each property is reviewed individually
Creative Financing
What is creative financing?
Creative financing refers to property-sale structures that may provide alternatives to a traditional listing or straightforward cash purchase. Depending on the property, mortgage, equity position, timeline, and homeowner’s goals, RealHomeRelief may explore options such as Seller Financing, a Lease Option, or Subject-To. Each structure works differently and is reviewed individually before any terms are proposed.
How does Seller Financing work?
With Seller Financing, the sale may be structured so that the seller receives agreed payments over time rather than the entire purchase price at closing. The payment schedule, servicing, documentation, default provisions, and other terms should be clearly defined in the written agreement. Seller Financing can involve financial and tax considerations, so independent legal, tax, or financial advice may be appropriate before proceeding.
What is a Lease Option?
A Lease Option allows the property to be leased for an agreed period while giving the buyer an option to purchase under agreed terms. It is not a completed sale when the agreement begins. The seller generally remains the property owner until the option is exercised and the purchase closes, and there is no guarantee that the option will ultimately be exercised.
What is a Subject-To transaction?
In a Subject-To transaction, ownership of the property transfers to the buyer while the existing mortgage generally remains in the seller’s name, and the buyer makes the agreed mortgage payments. The original borrower generally remains responsible to the lender. Missed payments may affect the seller’s credit, and the loan may contain a due-on-sale provision. Because of these risks, independent legal, tax, and financial review is strongly encouraged before proceeding.
Purchase & Payment
How are proposed purchase terms determined?
Each property is reviewed individually. Depending on the structure being discussed, we may consider factors such as property condition, market value, mortgage balance, equity position, transaction costs, timing, and other property-specific circumstances. Any proposed terms are explained before you decide whether to move forward.
Will I receive payment at closing?
In a cash purchase, payment is generally made in full at closing through escrow. With Seller Financing or another structured arrangement, some or all payments may occur over time according to the written agreement. The timing and payment structure depend on the option selected and the agreed terms.
What does payment over time mean in Seller Financing?
With Seller Financing, the purchase may be structured so that you receive agreed payments over time rather than the entire purchase price at closing. The payment schedule, servicing, documentation, default provisions, and other terms should be clearly defined before proceeding. Independent legal, tax, and financial advice may be appropriate depending on the structure.
Transaction
How is closing handled?
If a purchase moves to closing, closing is coordinated through a licensed escrow and title company. The escrow and title professionals handle applicable transaction documents, funds, and ownership-transfer requirements according to the written agreement.
Do I need a real estate agent?
No listing agent is required to request a property review or explore options directly with RealHomeRelief. If you choose to move forward with a purchase or structured-sale option, the agreed terms are documented in writing and the transaction proceeds according to the selected structure. You are always free to seek independent professional advice or representation.
What happens to my mortgage in a Subject-To transaction?
In a Subject-To transaction, ownership transfers to the buyer while the existing mortgage generally remains in the seller's name, and the buyer makes the agreed mortgage payments. The original borrower generally remains responsible to the lender. Missed payments may affect the seller's credit, and the loan may contain a due-on-sale provision. Because of these risks, independent legal, tax, and financial review is strongly encouraged before proceeding.
What happens if a Lease Option is never exercised?
A Lease Option is not a completed sale when the agreement begins. The seller generally remains the property owner until the option is exercised and the purchase closes. There is no guarantee that the option will be exercised, so the terms, responsibilities, timing, and possible outcomes should be understood before entering the agreement.
Can RealHomeRelief stop a foreclosure?
RealHomeRelief can review properties involving foreclosure-related or time-sensitive situations, but we do not guarantee that a foreclosure can be stopped, postponed, or prevented. If you have received a foreclosure notice or know the scheduled sale date, include that information when requesting a property review so we can understand the timing. RealHomeRelief is not a foreclosure-prevention counselor.
Property Review & Condition
Will you inspect my home?
As part of the property review, RealHomeRelief may need to confirm the property’s current condition. Depending on the situation, this may be done through photos, documentation, a virtual walkthrough, or an in-person walkthrough. Not every review requires the same process, and there is no obligation to proceed.
Who may review the property's condition?
The RealHomeRelief team coordinates the property review. If a walkthrough is needed, we will explain what is required and coordinate it with you. The purpose is to understand the property’s condition as part of the review, not to require repairs or provide a formal appraisal.
What areas of my house will you inspect?
If a condition review is needed, we may look at the exterior, interior living areas, kitchen, bathrooms, visible maintenance concerns, and other relevant property features. Cosmetic upgrades or staging are not required. The goal is simply to understand the property in its current condition.
Process & Closing
What happens after I submit my property?
After you submit your property details, RealHomeRelief reviews the information to better understand the property, financing, timing, and your goals. The review may identify one or more options that could be worth discussing, or it may determine that none of RealHomeRelief’s options are appropriate for the situation. A team member can then explain possible next steps. There is no obligation to proceed.
How long does the process take?
Timing varies depending on the property, title, mortgage or financing, documentation, selected structure, and other circumstances. Some situations can move relatively quickly, while others require additional review or coordination. If you choose to move forward, we can provide a more specific timeline based on the proposed structure.
What if none of the options are a fit?
Not every property or homeowner situation is a fit for every option. If our review indicates that a creative-financing structure or cash purchase does not appear appropriate, we'll let you know. There is no obligation to proceed, and another path—such as a traditional listing, loan modification, or another homeowner solution—may be worth exploring.
General Questions
How can I sell my house without going through a traditional listing process?
Depending on the property and your circumstances, alternatives to a traditional listing may include Seller Financing, a Lease Option, Subject-To, or a cash purchase. A property review helps determine which options may realistically be worth discussing based on the property, mortgage, equity, condition, occupancy, timeline, and your goals.
Can I sell my house without listing in SoCal?
Potentially. RealHomeRelief works directly with Southern California homeowners to explore alternatives when a traditional listing may not fit the property, timeline, or situation. Depending on the review, this may include creative financing or, when appropriate, a cash purchase.
Can I sell a house as-is in SoCal?
In many situations, you can begin the process without making repairs. RealHomeRelief reviews properties in their current condition, including properties with deferred maintenance or repair needs. Whether any work is needed later depends on the property and the structure being discussed.
Do I need to make repairs before selling?
No repairs are required before requesting a property review. We review the property's current condition along with title, mortgage, equity, occupancy, timing, and other circumstances. Any repair-related considerations will be explained before you decide whether to proceed.
Ready to Explore Your Options?
Tell us a little about the property, your timeline, and what you’re trying to solve. We’ll review the situation and explain which options may realistically apply.
Takes less than 2 minutes
No obligation to proceed
BRIDGE POINT SOLUTIONS GROUP LLC DBA RealHomeRelief
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