How It Works

What is EquityEdge? EquityEdge leverages existing low-interest mortgages, allowing sellers to offer attractive financing terms to buyers. This unique seller-financed solution helps you stand out in the competitive real estate market.

Benefits for Realtors:

• Expand Your Buyer Pool: Attract more buyers interested in homes with lower interest rates or who can’t qualify for traditional financing.
• Increase Sales Prices: Homes can be sold at higher prices due to the attractive financing terms.
• Faster Closings: Streamlined process averages just 14 days.
• Unique Selling Point: Differentiate yourself by offering innovative financing solutions.
• Works in Any Market: Especially effective in higher rate environments following periods of historically low interest rates.
• No Appraisal or Underwriting Dependence: Transactions are not dependent on appraisals or lender’s underwriting guidelines.

Benefits for Sellers:

• Sell at a Higher Price: Attract buyers willing to pay a premium for lower interest rates.
• Generate Monthly Income: Earn extra income from buyer’s payments.
• Keep Low-Interest Rates: Maintain your current mortgage’s low rate.
• Quick and Efficient Process: Close deals faster with fewer concessions.

Benefits for Buyers:

• Lower Interest Rates: Secure rates 2-3% below the current market.
• Lower Monthly Payments: Save money every month.
• Less Cash at Closing: Reduce upfront costs.
• Qualify for Higher Home Values: Afford more home for their money.

How It Works:

1. Seller’s Existing Loan: The seller retains their current mortgage with its low interest rate. This mortgage remains in place and continues to be paid as usual.
2. New Seller-Financed Loan: A new loan is created for the buyer at a competitive interest rate, which is typically lower than the current market rates. This makes the property more attractive to potential buyers.
3. Loan Servicing Company:
   • A professional loan servicing company is engaged to manage the financial transactions.
   • The buyer makes monthly payments to the loan servicing company.
   • The loan servicing company ensures the seller’s existing mortgage is paid on time.
   • The seller receives the difference between their mortgage payment and the buyer’s mortgage payment as additional income.

Why Choose EquityEdge?

With EquityEdge, Adam Styer will personally coordinate the entire transaction, allowing you to focus on marketing and selling the property. Adam will:

• Consultative Calls: Join you in consultative calls with the seller to answer all questions.
• Compliance and Risk Management: Ensure everything is compliant and minimize any risks.
• Buyer Pre-Approval and Education: Pre-approve and educate all buyers on the benefits and process.
• Streamlined Coordination: Handle all the intricate details, from documentation to communication with all parties involved.
• Dedicated Support: Provide continuous support throughout the transaction to ensure smooth and successful closings.

By offering innovative seller-financed mortgages, you can close deals faster, at higher prices, and with more satisfied clients, all while having expert guidance every step of the way.