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Speti seller guides

A clearer way to think about selling your home.

By the Speti team · Updated

Straightforward answers about cash offers, direct sales, mortgages, timing, and the questions worth asking before you sign anything.

Creative finance

Seller financing vs. subject-to: how creative-finance home sales work

Seller financing and subject-to sales let a buyer pay over time instead of all cash at closing. Compare how each works, the due-on-sale risk, and how to protect yourself.

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Foreclosure

Can you sell your house to avoid foreclosure?

Yes, you can usually sell before a foreclosure sale. Learn the federal 120-day rule, 2026 foreclosure timelines by state, your options, and scams to avoid.

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As-is sale

Selling a house as-is: what it means and what you still have to disclose

Selling a house as-is means no repairs or repair credits, but not hiding defects. Learn what you still must disclose, how to price it, and who buys as-is homes.

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Inherited property

How to sell an inherited house

How to sell an inherited house: who can sign, how probate and trusts affect timing, how stepped-up basis reduces capital gains tax, and how to handle the mortgage.

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Selling costs

Real estate commission in 2026: what home sellers actually pay

Home sellers paid about 5.46% in total agent commissions in 2026. See how the NAR settlement changed things, what it costs by price, and ways to pay less.

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Offer comparison

How much do cash home buyers pay?

Cash home buyers typically pay 50% to 95% of market value, depending on buyer type and condition. See how offers are calculated and how to compare them.

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Direct sale

How to sell a house without listing

What a direct sale changes, what stays the same, and how to compare certainty with price.

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Offer comparison

Cash offer vs. traditional sale: how to compare the tradeoffs

A practical way to compare the number on the page with time, repairs, fees, and control.

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Mortgage basics

Can you sell a house with a mortgage?

How payoff at closing works, what other structures mean, and which questions to ask first.

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