Creating Opportunities

Creating solutions for personalized results.

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Creating Opportunities is an investment company that creates real estate opportunities for those who are not able to succeed in the traditional market.  

Unlike its competitors, who use methods that focus on maximizing profits, the company reduces their target audience's burdens by thinking outside the box and creating a "Win-Win" scenario.

Under a traditional transaction, the seller pays realtor commissions and closing costs which reduces the amount they receive at close of escrow. This not only leaves the seller walking away with a reduced amount of cash but could also cause them to dig into their own pockets to sell their home.

Creating Opportunities utilizes multiple methods to purchase homes that allows sellers to choose the method that benefits them the most.

A few of those methods are:  
  • Cash 
  • Seller Finance
  • Subject to Existing Mortgage
  • Novation Agreement 



Fill out the contact form at the top of the website, or chat in messenger at the bottom right to find your creative solution.





CONSULTING

We offer a free consultation to anyone looking to buy or sell a home, so that we can answer any questions or concerns that you may have.

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Comparative Market Analysis

Our free CMA provides the current value of your home based on the market.

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Rent to Own

We offer homes to individuals that prefer not to or can not use traditional mortgages.

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What is Subject to Existing Mortgage?

Subject to Existing Mortgage is a method of purchasing a home, where the current mortgage stays in place but the buyer agrees to make the payments of existing mortgage on behalf of the seller.

What is a Performance Clause?

In the event of a missed payment, after a specified time period, the deed is returned to the seller of the home.  This means that every cent that we invested in purchasing the home is forfeited and you, as the seller, reap the benefits of the previous sale.  You can choose to keep or sale the home, or whatever else because the home is yours.

What happens to my credit?

As the seller, the existing mortgage is still on your credit report.  When payments are made on your behalf, your credit improves.  When payments are missed, your credit declines.  

Why not just get another mortgage?

The one consistent benefactor in a home sale is the bank.  The bank receives money from accrued interest and loan origination fees.  We prefer to translate those expenses into gains for our sellers.  This just means, we put money that would be spent getting a mortgage into seller's pockets instead.

How are monthly payments made?

We use a third party to facilitate the payments every month.  This is referred to as a Servicing Company.  They take money from our account and then make payments to the mortgage company on the seller's behalf.  They also provide a monthly email that accounts when payments are made.

What about my Debt to Income ratio?

A seller's Debt to Income (DTI) can be removed but it is solely dependent on the future lender.  Our loan servicing company can provide the correct documentation stating that the existing mortgage is being paid on your behalf and not by you. Not every lender honors the documents that we provide but the loan officers that we recommend understand our transactions and can assist with obtaining a future mortgage.
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  • Houston, TX, USA

We serve the entire United States but our main focus is Houston and the greater areas of Houston. Let us know a good way to reach you by entering your info down below.