Article by Dennis H. Doss
Across the country, homeowners with 2.5–4% mortgages are staying put. They want to sell, but their low-rate loan feels like a set of golden handcuffs keeping them in place even when they really want to move.
Real estate agents see it every day. Homeowners want to sell, but trading a 3% mortgage for today’s 6.5% feels like erasing years of progress. So they stay, and potential listings slip away. The Wall Street Journal summed it up best: “The paralysis has left many people in houses that are too small, in jobs they don’t love, or shackled with golden handcuffs.”
And it is not just a headline. According to Redfin, nearly 80% of U.S. homeowners with a mortgage are locked into rates under 5%. That is millions of would-be sellers waiting on the sidelines…
Turn That 2-4% Low Rate
Into a Goldmine
Article by Dennis H. Doss
Across the country, homeowners with 2.5–4% mortgages are staying put. They want to sell, but their low-rate loan feels like a set of golden handcuffs keeping them in place even when they really want to move.
Real estate agents see it every day. Homeowners want to sell, but trading a 3% mortgage for today’s 6.5% feels like erasing years of progress. So they stay, and potential listings slip away. The Wall Street Journal summed it up best: “The paralysis has left many people in houses that are too small, in jobs they don’t love, or shackled with golden handcuffs.”
And it is not just a headline. According to Redfin, nearly 80% of U.S. homeowners with a mortgage are locked into rates under 5%. That is millions of would-be sellers waiting on the sidelines…
Turn That 2-4% Low Rate
Into a Goldmine
Turn That 2-4% Low Rate
Into a Goldmine
Article by Dennis H. Doss
Across the country, homeowners with 2.5–4% mortgages are staying put. They want to sell, but their low-rate loan feels like a set of golden handcuffs keeping them in place even when they really want to move.
Real estate agents see it every day. Homeowners want to sell, but trading a 3% mortgage for today’s 6.5% feels like erasing years of progress. So they stay, and potential listings slip away. The Wall Street Journal summed it up best: “The paralysis has left many people in houses that are too small, in jobs they don’t love, or shackled with golden handcuffs.”
And it is not just a headline. According to Redfin, nearly 80% of U.S. homeowners with a mortgage are locked into rates under 5%. That is millions of would-be sellers waiting on the sidelines…
The Ease of the Automated Seller Financing Contract
An easy, compliant solution for sellers to use their low-rate mortgage to make a move and turn it into an income-generating asset.
Millions of homeowners are sitting on 2–4% mortgages. They want to move, but they don’t want to trade their low rate for today’s higher one. With seller financing, that low-rate loan becomes an asset that makes the move possible.
That 2–4% mortgage doesn’t have to hold sellers back. Seller financing turns it into an advantage.
The buyer pays a higher rate than the old loan, the seller pays the bank, and pockets the rest—a true goldmine.
The well-structured Seller Financing Contract gives both sides below-market rates. Everyone wins.
Seller financing loans (seller carryback) have been around for decades. With DossDocs’ compliant docs, the process is safe, secure, and enforceable.
“People can’t move up, can’t move down, can’t move somewhere else, because this mortgage, which is wonderful, is also an anchor tied to their ankles.”
– Dennis Doss, Founder DossDocs & Doss Law
In this video, Dennis Doss explains how seller financing can turn today’s market challenges into opportunity. He explains how a well-structured seller financing contract lets sellers profit on the spread between their existing low-rate mortgage and a wraparound loan, while buyers secure financing at a better rate than the open market.
Seller Financing:
The Goldmine in Your Mortgage
That 2–4% mortgage isn’t just a low payment. It’s leverage. It’s an asset. Seller financing lets you take advantage of that low rate, generate income, and use the spread to offset the cost of your next home loan so you can finally make the move you’ve been waiting for.
Want to see how seller financing actually works? Dennis Doss walks through the structure of a Seller Financing Contract, gives examples, and breaks down the numbers in this article.
Don’t Let a Low-Rate Mortgage Be Your Golden Handcuffs
“The paralysis has left many people in houses that are too small, in jobs they don’t love or shackled with ‘golden handcuffs.’ Americans are stuck in place.”
Curious how sellers can escape the low-rate paralysis problem? Dennis Doss shows how seller financing wraparound mortgages provide the flexibility to finally make a move.
How to Vet a Buyer for Seller Financing
Seller financing starts with the right buyer. From credit scores and cash reserves to income and loan-to-value, you’ll want to know the key checks and balances to make before moving forward.
Want to know the what and how? Dennis Doss outlines the steps and safeguards to protect the loan when it comes to vetting a buyer for seller financing.
Frame Your All-Inclusive Offer or Counteroffer for Success
Start all-inclusive financing off on firm footing with a carefully written offer or counteroffer. Use this seller financing contract template to avoid confusion and disputes when the buyer sees the final documents. The four objectives include:
Select your state and get started.
Guided automated questionnaire workflow makes it simple. Enter property details, loan terms, and parties involved.
Instantly, get your seller financing contract, promissory notes, and deeds of trust. Loan docs are state compliant and attorney-quality.
Your documents are ready to execute, enforceable, and designed to protect both seller and buyer.
