01
Review the property
We look at the home, mortgage, equity, and value.
Creative finance
Work toward full market value.
Speti can work with your existing mortgage instead of requiring it to be paid off at closing, or help structure a new loan with you when that is an appropriate fit. With a cash offer, the price has to be discounted to make the numbers work, so a flexible loan structure can allow more of the property's value to go to you.
Built around your next step
Less friction. More clarity.
We look at the property, your timeline, and what matters to you, then explain the path in plain language. You can take the time you need before deciding.
Read common questionsA Flex example
Work toward full market value without commission or closing fees.
Flex can combine cash at closing with a structure that gives you more total-price potential over time. Here is the conversation in four steps.
Agreed price, clearly written
The number you agree to is the number in your agreement.There is no agent commission or seller-paid closing fee deducted from that agreed purchase price. Any existing mortgage, ongoing payments, or other obligations are handled in the written terms.
02
Map the structure
We explain how existing financing, a new loan, or payments over time could fit.
03
Receive cash at closing
You receive the agreed upfront amount when the transaction closes.
04
Continue over time
Any remaining balance follows the payment terms in the signed agreement.
Illustrative flow, not a promise. The actual structure depends on the property, existing loan, qualification, legal documents, and your independent advisers’ review.
Would this fit your situation?
Choose the tradeoff that matters most.
You want the highest total price potential.
You can consider receiving part of the price over time.
You are open to using existing financing or exploring a new loan structure.
How it works
A clear next step at each stage.
We review your current mortgage, equity, and the property’s value, then discuss whether a new loan structure may fit.
Start with the property details you already know.
We explain the payment structure, responsibilities, qualification, and risks.
Our team reviews the details and explains the path in plain language.
You review the agreement with your own adviser before deciding.
You stay in control of the decision and timing.
The existing mortgage may remain in your name after closing, or a new loan may be structured with you when appropriate.
Due-on-sale, credit, payment, qualification, and future borrowing implications need independent review.