Compared with more common (and often more precarious) forms of seller-assisted real estate financing, the PACTrust system provides essentially the same benefits of homeownership that any new mortgage might, with minimum effort, and maximum safety and convenience–along with:

1. Easier financing qualification, and payment arrangements (e.g., the buyer is by the property owner on his/her terms)
2. Low minimal or maybe NO down payment – the PACTrust buyer often pays closing costs only (which includes escrow fees, miscellaneous setup fees, and perhaps a portion – or – all of the Realtor’s commission)
3. Income tax deduction for mortgage interest deduction and property tax deduction
4. Equity build-up as the mortgage principal is reduced
5. Appreciation and profit potential over time
6. Protection (shielding) of the property from judgment-creditor liens, tax liens, lawsuit: or claims in martial dispute by a [ex]spouse of either party
7. Pride-of-ownership, without the rules and constraints of conventional real estate acquisition and mortgage processes
8. Protection from any untoward acts of the “other party” (such as the potential for a seller’s neglect in failing to pay creditors; nonresponsiveness to requests or requirements; damaging the property’s title by, say, marital dispute, bankruptcy, judgment-liens or tax-liens
9. One needn’t scrimp and save forever to begin enjoying the benefits of homeownership

PACTrust Sellers Benefits

PACTrust Overview

Licensed Real Estate Broker with the California Department of Real Estate