Phoenix, Arizona · Sell on Terms
Get Your Price,On Terms.
When today’s buyers can’t pay your number, there’s a smarter way to sell — together.
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A different kind of sale
When a traditional sale won’t get your price.
Rising rates have priced today’s buyers out of yesterday’s prices. Selling on terms — through seller financing or loan assumptions — lets qualified buyers pay what your home is truly worth, while giving you dependable income and tax advantages.
Get Your Full Price
Reach buyers who can afford your number when it's paired with attractive terms.
Seller Financing
Become the bank. Collect monthly income secured by real estate you already know.
Loan Assumptions
Pass along your low-rate mortgage to unlock a whole new pool of qualified buyers.
Sound Familiar?
Where are you starting from?
Most conversations begin in one of three places. Pick the one that fits.
“My home didn't sell for my price”
The listing expired. Buyers loved it — but couldn't afford the payment. There's a way to get your number.
“I'm behind on my payments”
Falling behind doesn't mean losing everything. See every option — including the ones that don't involve me.
“I have a low-rate loan”
A 3% mortgage is an asset. A qualified buyer may be able to assume it, and that can earn you a stronger price.
In a hurry?
Skip the process — get a cash offer instead.
No Repairs · No Commissions · No Hassle
How It Works
Three steps. No pressure.
Free Options Review
A 20-minute conversation about your home, your loan, and the price you need.
Side-by-Side Numbers
A written comparison of a cash sale vs. a terms sale — dollar for dollar.
You Decide
Everything documented, everything transparent. You choose what's right for you.
The Straight Talk
Selling on terms isn’t right for everyone.
If you need every dollar in cash on day one, a traditional sale may serve you better — and Troy will tell you so, without hesitation.
Every risk — including questions like the due-on-sale clause — is explained in plain English and put in writing before you decide anything.
You’re encouraged to have your own attorney or CPA review everything. The goal is a decision you feel good about a year from now.
Client Reviews
Nineteen years of straight answers.
“The most responsive realtor I have ever worked with.”
“Listed home with Troy and received 4 offers on the same day!”
“Very pleased with Troy and the attention he paid to the details.”
“Good thinker, proactive and easy to talk with.”
“He is so detailed and professional.”
“Very professional, followed through on every detail.”
Every review above is a real, verified client review on Zillow.
Confidential Consultation
Tell Troy about your home.
Every home — and every homeowner — is different. Share a few details and Troy will personally walk you through what a terms-based sale could look like for you. No pressure. No obligation.