The Buy Now Pay Later Home Program
A bank said no, or said "not yet." You pick the home. We ask the seller to finance your purchase directly, then coach you until you're ready to refinance into a regular mortgage.
No surprise closing bill. Your down payment and first month go to the seller through a title company or escrow. The program fee is the only money Sidelia keeps.
Your starting stake in the home. It's credited toward your purchase price.
Goes to: seller, via escrowYour first installment, collected by a licensed third-party servicer so every payment is on record.
Goes to: seller, via servicerCovers screening, the seller search and negotiation, deal coordination, and credit coaching toward a regular mortgage.
Goes to: Sidelia InvestmentsWe look at whether the monthly payment fits your life, not just your credit score. You'll know your approved budget before you start touring homes.
Start my applicationPrice range: the program works best on homes priced up to about $250,000. Above that, $2,000 down is too thin a stake for most sellers, so a higher down payment may be required.
Every deal follows the same eight steps. Licensed professionals handle the parts that require a license.
We check your credit, verify your income and $6,000, and review your debts. The application fee is small.
You + SideliaYou get a maximum monthly payment and a price range in writing, before you shop.
SideliaOnce you sign our client agreement and start the process, you'll complete our online video class. It explains how to find a home that fits the program and how we work as a team to land a deal sooner.
You + Sidelia · online video classYou pick the home. Homes sold outright, long-listed homes, and landlord-owned rentals get the best response.
You + your agentWe present the seller with a full-price offer, monthly income, and a professional servicing setup.
SideliaA licensed loan originator sets the terms, an attorney drafts the documents, and a title company closes and records the deal.
MLO · attorney · titleMake on-time monthly payments through a third-party servicer while our coaches work on your credit score.
You + servicer + coachOnce your score reaches 620 or higher, you refinance into a regular mortgage, such as a conventional or FHA loan, and the seller is paid in full.
Target: 12–24 monthsThe seller's situation and your state's rules decide which structure fits. We'll explain both before you sign anything.
The home is deeded to you at closing. The seller acts as the bank: they hold a note and lien, and you pay them monthly.
You rent the home with a locked-in purchase price. Part of each payment is credited toward buying it.
Move the sliders to see a rough monthly payment. Real terms are set by a licensed loan originator on each deal.
Estimates are for illustration only and are not an offer of credit or a loan commitment. Your rate, term, and payment depend on the seller, a licensed loan originator's review, and your state's laws.
We bring you a screened buyer who's ready to move in, plus a closing and servicing setup run by licensed professionals. You earn interest instead of waiting on a buyer's bank approval.
No lowball offer from an investor.
Typical terms are around 7–9%, fixed.
We verify credit, income, and funds before we bring a buyer to you.
A licensed servicer collects payments, handles tax and insurance escrow, and sends the yearly statements.
Your buyer's goal is to refinance in 12–24 months and pay you in full. You can also sell the note to an investor.
A 620+ credit score opens up far more mortgage options, including conventional and FHA loans. Our coaching gets you from 550 to 620 while you're already living in the home.
Start at a 550+ score with $6,000.
Every on-time payment is documented by the servicer.
Coaching on paying down debt and cleaning up your credit report.
Move to a regular mortgage. The seller is paid in full.
No. This isn't a consumer "pay in 4" loan. It's owner financing or a lease-to-own agreement, written and recorded like any real estate transaction. Please don't open new BNPL accounts while you're in the program. Mortgage lenders count them as debt when you refinance.
No. Sidelia Investments screens buyers, finds sellers, and coordinates each deal. The seller provides the financing. A licensed mortgage loan originator sets the loan terms, an attorney drafts the documents, and a title company closes and records the deal.
Contact us and the servicer right away. Your contract spells out grace periods and late fees, and many states protect buyers with required notice periods and cure periods before a seller can take action. Missing payments can cost you the home and the money you've paid, so only join if the monthly payment truly fits your budget.
The program fee pays for work done to find, negotiate, and close your deal. Our refund policy is put in writing in your client agreement when you start the program: if no seller accepts your deal within 90 days, 50% of your program fee is refunded, or you can extend and we can keep finding you a home.
Once you sign up, we enroll you in our video classes. They show you exactly how to find a home and walk you through the process of looking for qualified homes, meaning homes that fit your approved budget and whose sellers are likely to say yes to program terms.
You can pick any home within your approved budget. The seller has to agree to the terms, though, and homes owned outright or on the market a long time are the most likely to say yes.
We do not serve California, Alaska, or any area deemed rural for financing. Seller financing and lease-to-own rules also vary from state to state, so we'll confirm the right structure for your home before you sign anything.
It takes about two minutes and doesn't affect your credit. A Sidelia advisor will follow up about next steps.