Frequently Asked Questions
At Zion Property Partners, we know selling a home can feel overwhelming, especially when exploring creative solutions. Below, we've answered some of the most common questions we get from homeowners just like you.
1. “Your Price; Our Terms” – What Does That Mean?
At Zion Property Partners, we know many homeowners won’t budge on their asking price. Instead of forcing a discount, we work within your price—structuring the deal on terms that balance your goals with ours. You keep the number you want; we craft the financing to make it work for both sides.
2. What If You Could Act as the Bank?
With seller financing, you become the lender. Rather than taking one lump‑sum payout at closing, you finance the sale yourself and collect payments directly from the buyer. By stepping into the bank’s role, you eliminate traditional mortgage approvals and move through the sale faster—often with better returns.
3. Why Become the Bank?
Seller financing delivers key advantages:
Speedy Closings: No lengthy bank underwriting—close in days, not months.
Lower Fees: Skip bank appraisal, origination, and underwriting costs—keep more money at closing.
Increased Profits: Obtain your full asking price (or higher) and earn interest income on the loan.
Flexible Terms: You set the rate, schedule, and duration, tailoring the loan to your needs.
Steady Cash Flow: Receive predictable monthly payments—a great passive income stream for retirees or investors.
4. What Risks Should I Know About?
Any financing carries risk—chiefly, the possibility a buyer misses payments. At Zion we protect you with:
Deed in Lieu of Foreclosure: If payments stop, ownership automatically reverts to you without costly court actions.
Promissory Note: A binding contract that legally enforces payment obligations.
Third‑Party Loan Servicing: A licensed servicer tracks and processes every payment, guaranteeing transparency and accuracy.
Professional Title Company: All documents are drafted and reviewed by experts to ensure your legal protection.
5. What Is a “Subject‑To” Transaction?
In a Subject‑To sale, we purchase your home while leaving your existing mortgage intact—we take over the payments, but the loan remains in your name. This approach lets you sell quickly without the delays of a new lender, leveraging your current financing to deliver a swift, flexible solution.
6. How Am I Protected as the Seller?
Your security is our priority:
Deed in Lieu of Foreclosure ensures you regain title if we default.
Promissory Note locks in all terms in a legally enforceable document.
Third‑Party Servicing adds an impartial layer to collect and track payments.
Every agreement is crafted by a licensed title company, so you’re fully covered from day one.
7. Do I Make Payments to You?
No. We arrange for all payments to flow through a neutral, professional loan servicer. That company collects each installment and forwards it to your mortgage lender—no extra steps or bookkeeping on your part.
8. What If Zion Stops Paying?
While we don’t envision that happening, our agreements guarantee:
Immediate Transfer of Title back to you via Deed in Lieu.
Retention of All Payments Received up to that point.
Zero Foreclosure Hassles—you simply regain ownership free and clear.
You come out protected no matter what.
9. How Do I Get Started?
Just email us these basics:
Property Address
Outstanding Loan Balance
Interest Rate
Monthly Mortgage Payment
Any Major Repairs Needed
We’ll review your info, craft a custom proposal, and guide you through every step—no obligation.
10. What Happens After I Send My Details?
Once we have your information:
We’ll review and may ask a few quick questions.
We’ll present a personalized offer designed around your needs.
You decide if it works; if so, we close on your timeline.
If not, there’s no pressure—you walk away with zero commitment.
We aim for a true win–win, every time.
10. What Happens After I Send My Details?
Once we have your information:
We’ll review and may ask a few quick questions.
We’ll present a personalized offer designed around your needs.
You decide if it works; if so, we close on your timeline.
If not, there’s no pressure—you walk away with zero commitment.
We aim for a true win–win, every time.
Let's Work Together
At Zion Property Partners, we’re more than real estate investors—we’re your dedicated problem solvers. Whether you need a stress‑free home sale or a bespoke financial strategy, our team is standing by to guide you every step of the way.
Contact us today and let’s explore the best options for your situation!
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