U-PICK Seller Financing PROGRAM

  • Buy the home of your choice - you pick the home! - We provide the financing
  • Choose any home listed for sale in the MLS (bank owned, short sale, traditional sale)
  • We will purchase home you choose and sell to you with seller financing.
  • The price of the home is increased based on the purchase price you choose

Step 1:  Get pre-qualified

Our program is not credit driven or income driven, but we need to verify you can afford the payments.  We can still qualify with credit issues or income documentation issues.

First step for the U-pick program is to complete our online application here

Or contact us and we will help you get started:  480-626-1360 or 602-647-6905

Step 2: Sign agreement to terms (we will prepare and send to you)

The agreement to terms provides a written agreement stating we will

provide financing based on the terms selected during approval process


Step 3:  Determine the increase in price based on your desired purchase price

For homes with purchase price of $300,000 - $550,000

30 year fixed with 7 year term = 10% increase in price


For homes with purchase price of $150,000 - $299,999

30 year fixed with 7 year term = 15% increase in price


For homes with purchase price of $100,000 - $149,999

30 year fixed with 7 year term = 20% increase in price


*Call for homes above $550,000 or below $100,000.

(all loans based on 30 year amortization with balloon due at end of selected term)

Step 4: Select your down payment

Our U-PICK seller financing program is designed for a 20% buyer down payment.  We will provide financing of 80% of the home's sales price to you.

We will provide up to a 10% down payment assistance loan for borrowers who can afford to pay off this down payment assistance loan over a short time period of between one and 10 years.

This allows qualified buyers to purchase a home through our U-pick seller financing program with as little as 10% down, plus closing costs.

Click here to view our U-pick down payment and interest rate table.


Step 5:  Find your home

Work through our Realtor or yours*

Ready to find a home?  Search the MLS for free at our link below.




How the program works:


  1. First, get pre-approved for the program and agree to the financing terms
  2. We will review your application for program eligibility.  The program is not credit score driven.  It is based on your ability to afford the payments.
  3. You select any home for sale (bank owned, short sale, foreclosure, traditional MLS listing).  We assign an approved real estate agent to work with you just like a traditional real estate agent would - sending you listings, searches, showing you properties, etc. You can also use your real estate agent provided they agree to the terms of our program.
  4. When you find the home you like, we buy the home in our name - for the best price possible (with any savings passed on to you).  You determine our offer price with our assistance.
  5. You complete all inspections so you are satisfied with the condition of the home.
  6. We then sell to you with seller financing based on the following terms:
  • 10% or greater down payment from you
  • Our financing with interest rates starting at 6.5% interest;
  • Closing occurs through a traditional title company
  • Independent account servicing company collects payments from you on a monthly basis
  • You get the tax benefits

Contact us today to get started.  

480-626-1360 or 602-647-6905


*We cooperate with real estate agents from other companies provided they agree to our program terms and guidelines. Have your real estate agent contact us to become an approved Realtor.


Mortgage Services provided by Arizona Seller Financing, LLC dba ASF Mortgage. 

NMLS # 1730992; Arizona Mortgage Broker MB-0947832