Let’s be real, buying a home in SoCal isn’t easy.

- Banks want spotless credit.
- Down payments feel impossible.
- Investors and all-cash buyers scoop up deals before you even get in the door.


For many hardworking buyers, the dream of homeownership feels out of reach.

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That's Where Seller-Financing Comes In

We're experiencing rising home prices, which leads to stricter traditional financing.

 

Instead of fighting with banks:

 

-You make a deal directly with the seller.
-You agree on a fair down payment and monthly terms.
-You move in and start building equity right away.


💡 Many SoCal buyers use seller-financing as a bridge strategy: buy now, refinance later when you’re ready.

Why Buyers Love

Seller-Financing (especially in SoCal)

✅ Easier approval (no strict bank guidelines)


✅ Flexible terms (down payment & interest negotiable)

✅ SoCal sellers are becoming more open to creative options → opportunity for buyers. (get in the wave before it goes away)

✅ Faster closings (skip the bank delays)

 

✅ Build equity sooner instead of renting

✅ Opportunity to lock in property now while improving financials later (refi later if desired).

 

✅ Perfect for self-employed, investors, new entrepreneurs, and those experiencing recent credit challenges that don’t fit traditional bank boxes.

How It Works

(Simple Steps)

1. Find the right home

 

We’ll match you with seller-financed properties across SoCal.

2. Agree on terms

 

Down payment, monthly payment, and length.

3. Close quickly

 

Handled through escrow, just like any other deal.

4. Move in and build equity.

Seller-Finance Homes Available in Southern California

 

Find More Deals

Featured Cities for Seller-Financing in SoCal

Huntington Beach
Irvine
Temecula
Palm Springs
Fallbrook
Laguna Beach
Long Beach
Shiv Patel
Shiv Patel
Agent License ID: 02241956

Hi, my name's Shiv, and I specialize in off-market and creative real estate deals that help buyers and sellers in Southern California win in a market that’s constantly changing. Whether it’s seller financing, assumable loans, lease options, or wraps, I focus on solutions, not just sales.

 

Having worked in real estate alongside people who cut corners or cared more about commissions than clients, I know how that feels, and I wanted no part of it. That’s why I’ve committed to doing things the right way: with transparency, creativity, and integrity. 

 

Joining the team at MINT Real Estate was a no-brainer; their hustle, ethics, and strategic approach match my own. Together, we bring a priceless advantage to our clients: the ability to close even the trickiest transactions while always putting people first. 

 

If you’re looking for a real estate experience that actually feels good (and works), you’re in the right place.

+1(213) 577-2752 shiv@realestatewithshiv.com https://www.realestatewithshiv.com/

FAQs

How much do I need for a down payment on a home?

While there are 0% down deals, you'll often see 5–15% as a common down payment. Much less than many banks require for conventional loans.

Do I need good credit?

Is this legal and safe?

Can I refinance later?

Can I buy a home if I’m self-employed or have irregular income?
What’s included in my monthly mortgage payment?

🎯 Don’t let banks decide your future.


With seller financing, you can finally get into a Southern California home on your terms.

(Well most likely the seller's terms, but you'll get a home!)