Mortgage Company Reviews

Creative Home Mortgage – Seller Carry Back Mortgage | Creative Real Estate Investing For Beginners – Video 6


Creative Home Mortgage – Review

👉 Download my free terms cheatsheets here:
👉 Creative Real Estate Investing for Beginners series:
💡Creative Real Estate Investing 101 👉
💡Equity Sharing 👉
💡Options 👉
💡Lease Options 👉
💡Agreement for Deed 👉
💡Seller Carry Back 👉
💡Subject To 👉
💡Subject To and Land Trust 👉
💡Wraparound Mortgage & All Inclusive Trust Deed (AITD) 👉
💡How to Negotiate Real Estate Price (and terms!) 👉
💡How to Find Motivated Sellers 👉

A seller carry back mortgage (also referred to as seller financing or owner will carry [OWC]), is a form of creative real estate investing.

Rather than a traditional loan from a bank, with a seller carry back mortgage, the buyer is getting their financing directly from the seller instead.

What makes this form of seller financing different than an agreement for deed (the topic of our last lesson), is in a seller financing contract, the buyer officially owns the property so long as they continue their payments.

And just like with an agreement for deed scenario, you’re not negotiating with a bank. This means you’ll have much more freedom to be creative and flexible with the terms of your agreement. This freedom allows you to set things up to be much more beneficial for your side than it might’ve with traditional financing.


0:48 – what is a seller carry back mortgage?
1:04 – what’s the difference between seller financing and a mortgage?
1:38 – other names for a seller carry back mortgage
1:48 – financial security instruments in an OWC agreement
2:47 – the difference between an OWC and an agreement for deed
3:11 – negotiating terms on a seller carry back mortgage
3:28 – the benefits of creative financing through an OWC
4:33 – how to handle a seller carry back mortgage on your purchase agreement
5:22 – using creative financing as a tactic for control


My name is Matt Theriault. When aspiring, frustrated investors are stuck in the proverbial “rat race,” they come to me.

I help these people create passive income through creative real estate investing strategies so their money works harder for them than they do for it, resulting in ultimate financial independence and freedom.

Whenever you’re ready, here are some ways I can help…

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  1. Epic Real Estate Investing
    July 27, 2021 at 2:42 am

    What was your biggest takeaway from this video? Is seller financing something you've ever considered before?

  2. Pourya Shahnaz
    July 27, 2021 at 2:42 am

    Great Video my friend. I believe however, between seller and buyer outside of bank is called Vendor and Vendee and the instrument is Agreement of Sale not a mortgage. In an agreement of sale there usually isn't a promissory note because the financing instrument and contract for sale is in the agreement of sale.

  3. AberrantArt
    July 27, 2021 at 2:42 am

    What makes agreement for deed more control compared to seller financing?

  4. Brian Boland
    July 27, 2021 at 2:42 am

    So that is just seller carry or owner finance. Easy shit how about a seller second carry back. Lender puts up 70% and owner puts up 30% as your down payment check is remitter in your name to him and gets whole amount at closing.

  5. liz SAnti
    July 27, 2021 at 2:42 am

    I e been reading books and watching seminars from real estate guys but they’ve never explained different way of getting a loan!!!! So thanks 🙏🏽

  6. Stephen Woolston Coach and Trainer
    July 27, 2021 at 2:42 am

    Although I'm not personally involved in real estate, I do love what I can learn from people on YouTube. This is fascinating information.

  7. Christina Tsiripidou
    July 27, 2021 at 2:42 am

    I love the "idea" instead of money approach. Great video

  8. Expert Channel TV
    July 27, 2021 at 2:42 am

    Great video, a clear explanation of some, oftentimes confusing terms.

  9. Joly Tematio - Achieve Financial Freedom
    July 27, 2021 at 2:42 am

    Great advices! I love this! <3

  10. Denise B
    July 27, 2021 at 2:42 am

    This is great well explained…. I am coming to get more knowledge soon.

  11. Debbie Thompson
    July 27, 2021 at 2:42 am

    I never knew there were other kinds of mortgages besides the traditional ones. Thank you for this!

  12. The Meaningful Work Maven - Suzette West
    July 27, 2021 at 2:42 am

    Thank you. 👍

  13. Carlos Altamirano
    July 27, 2021 at 2:42 am

    very cool Matt! So as a buyer, you'll always want to do this one instead of Land Contract (agreement for deed). Why do Land Contract instead of straight up seller financing?

  14. Ryan Walsh
    July 27, 2021 at 2:42 am

    Love all of the great information in here! Real estate investing can be really confusing so it’s great to find these breakdowns!