The Financing Options Most Homeowners Don't Know About

By Chris Heller

Chris Heller is a nationally recognized real estate leader with decades of proven success. As the founder of Heller The Home Seller team in San Diego, he has guided thousands of families through successful transactions and consistently ranked among the top agents in the country. Clients trust Chris for his expertise, market insight, and commitment to delivering outstanding results.

Most people call us to buy or sell a home. But financing decisions are where we help people every single day, and they often shape the outcome more than anything else. What’s the best loan for your situation? How do you pull equity out of a property? Can you buy before you sell? These are the questions worth answering before you make a move.

Financing options change depending on your situation. The right path looks different for an investment property, a primary residence, or a new purchase. A few common scenarios we help with:

• Buying a home before you sell your current one, so you’re not stuck timing both at once
• Getting a cash offer without putting your home on the market
• Pulling money out of a property to reinvest or free up cash
• Re-evaluating your position on an investment property or your primary home

Some loan options aren’t widely advertised. A short conversation often surfaces choices most homeowners never hear about:

• Whether a below-market interest rate is an option for your situation
• How to find loans with lower fees and lower closing costs
• Which loan type actually fits your goals, not just the first one you’re offered

These depend on your situation, your property, and your goals, which is why they’re worth talking through rather than guessing at. Comparing your options matters, too. Shopping for different loan offers can save borrowers a meaningful amount over the life of a loan.

We help people with this every day, and we’d be glad to help you, your friends, your co-workers, and your relatives think it through. Call or text us at 1-800-800-2978, email us at chris.heller@hellerthehomeseller.com, or visit hellerthehomeseller.com. We’d be glad to talk through the options that fit your situation.