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Library of Creative Financing Articles

This section includes articles about nontraditional and innovative way to finance your home purchase. The articles in this creative financing guide cover topics like 50-year mortgages, bridge loans and rent-to-own contracts. Potential homebuyers may also be interested in reading about the risks and rewards to using creative financing.

Creative Financing Guide

 

40 year Mortgage Lenders: Advantages and Disadvantages of 40 Year Mortgages

Housing prices continue to rise exponentially; because of this lenders have begun to offer the 40-year mortgage. As a homeowner the rise in prices are good news for both financial and flexibility reasons. With a forty-year loan you can structure your refinance for a great deal more without an increase in monthly payments.

A 50-year Mortgage Could Soon be a Reality

Industry experts are talking about someday offering a 50-year mortgage. A longer term means lower monthly payments; but will the buyer be alive to pay it off?

A Bridge Loan Can Help Ease the Transition Between Homes

Finding the funds to finance a home purchase before an old home has sold can be difficult. A bridge loan can help out.

All About Rent-to-Own Real Estate Contracts

Lease/Option contracts give homebuyers some extra time to make a final purchase decision.

Creative Finance: Negotiating Real Estate Agent Commissions

Buying or selling a home costs a big chunk of money. Here are some ways to reduce one of the largest expenses: agent commissions.

Creative Financing for Construction of a Home

Property owners have two mainstream ways to finance home construction: combination loan or construction loan. There is also a myriad of creative ways to get the building going.

Creative Financing Versus Traditional Loans

One should carefully weigh creatively financed loans against traditional loans before deciding which is best for his or her situation.

Creative Financing: An Interview with an Expert

Creative financing is not a type of loan, but rather a method of strategy in the home loan industry. Bay Area mortgage expert Aaron Thomas sat down with efinance staff writer Cyndi Popper to discuss some of the ins and outs of creative financing. Here's what he had to say about a form of lending close to his heart.

Creative Financing: Turn to Mom and Dad For a Mortgage

Personal mortgages are all the rage with the low cost mortgage crowd. Learn how how you can enter an agreement to borrow from family with significant benefits for both sides of the deal.

Creative Mortgage Financing: The 50 Year Mortgage

A 50-year mortgage has debuted in California. Is this a good option for homebuyers?

Situations in which One Might Use Creative Financing

There are a number of ways a financially savvy person can apply creative financing, such as to purchase real estate or earn money on things they already own.

The Advantages and Disadvantages of Creative Financing

Creative financing may be exciting and financially promising, but it is important to heavily weigh its pros and cons before proceeding.

What is Creative Real Estate Financing?

Creative financing, a term related to real estate, is an innovative and nontraditional way a person may choose to finance a property, such as a building or home.
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