Seller carryback specialists — New Mexico

Sell your home on your terms — no bank required

We buy homes directly from homeowners using flexible seller financing. Keep monthly income flowing, avoid the hassle of traditional listings, and close on your schedule.

Request a no-obligation offer See how it works

Recent activity

4-bed in Rio Rancho, NM Under contract

Seller carryback · 7% rate · 20-yr amortization

3-bed in Albuquerque, NM Closed

Seller carryback · Closed in 14 days

Duplex in Bernalillo, NM Closed

Creative financing · No bank involved

Simple process

Four steps from first call to a closed deal

No lengthy bank approvals. No uncertainty. Just a clear, straightforward process built around your timeline and your goals.

Tell us about your property

Fill out our short form or give us a call. We'll learn about your situation, your property, and your goals — no commitment required.

Receive a customized offer

We'll present a seller carryback offer tailored to you — purchase price, interest rate, repayment period, and terms you help design.

Review and finalize terms

We sit down with you and your attorney (if desired) to finalize the agreement. You stay in control of the deal structure from start to finish.

Close and collect payments

We close quickly — often in under 14 days. Then you receive monthly principal and interest payments, secured by your property.

Why seller carryback

A smarter way to sell — especially if you own free and clear

Seller financing offers homeowners powerful advantages that a traditional lump-sum sale simply can't match.

Steady monthly income

Instead of a one-time check, you collect principal and interest payments every single month — like being the bank on your own property. Predictable, passive income you can plan around.

Potential tax advantages

An installment sale may let you spread your taxable gain across multiple years rather than taking a large hit in one tax year. Always consult your CPA or tax advisor for your specific situation.

Higher net sale price

Because we don't rely on bank financing, we can often pay closer to full market value — or above comparable cash offers. The flexibility we gain allows us to pass more value back to you.

No banks, no delays

We don't wait on lender approvals, appraisals, or underwriting. We move on your timeline — sometimes closing in as little as one week when you need it fast.

Who we work with

We buy from sellers in a wide range of situations

No matter where you are in life, if you want a flexible, straightforward sale, we'd love to connect.

Free & clear owners

Own your home outright

If you have no mortgage, seller carryback is ideal. You become the lender and collect regular payments — turning your equity into a stream of income.

Estate & probate

Inherited a property

Dealing with an inherited home can be stressful. We make it simple — a fair offer, a fast close, and zero hassle for you or your family.

Tired landlords

Done being a landlord

Want out of managing tenants but still want income from your property? Seller carryback lets you exit the landlord role while keeping the cash flow.

Downsizing

Ready for a smaller place

Moving somewhere smaller or relocating? We can close on your schedule and structure payments to supplement your retirement or transition income.

Move-up buyers

Buying your next home

Using your equity to fund the next chapter? We can close fast and structure payments that align with your purchase timeline — no need to juggle two transactions at once.

Fast timeline

Need to move quickly

Facing a life change, a move, or just want it done? We can close in as few as 7 days when the situation calls for speed.

About us

We're real people doing honest deals in our own backyard

"We're not a hedge fund or an out-of-state investor. We're New Mexicans investing in New Mexico communities."

Blotz Home Buyers was founded on a simple belief: homeowners deserve a better option than the traditional listing process or low-ball cash offers. We specialize in seller carryback financing because it genuinely benefits both sides of the transaction.

We're local investors who care about the people and communities we work with. Every deal is handled with transparency, respect, and a commitment to finding terms that truly work for the seller.

We're not here to take advantage of anyone's situation. We're here to offer a creative, flexible solution that most sellers don't even know exists.

The Blotz family — New Mexico

Local

New Mexico based & operated

Fast

Close in as few as 7 days

Fair

Transparent terms, no tricks

Flexible

Terms built around your goals

Let's talk about your property

Fill out the form and we'll be in touch within 24 hours — often the same day.

Phone

(509) 554-8782

sell@blotzhomebuyers.com

Service area

Rio Rancho, Albuquerque, Bernalillo, and surrounding New Mexico communities

Response time

Within 24 hours — often the same day

What to expect on our first call

A friendly, no-pressure conversation about your goals
A clear explanation of how seller carryback works
An honest assessment of whether it's a good fit for you
No commitment required — just information

Common questions

Answers to what sellers ask most

Seller carryback is a well-established financing strategy — here's what you should know.

What exactly is seller carryback financing?

Instead of a bank lending us the money to buy your home, you act as the lender. We make monthly payments directly to you — principal plus interest — over an agreed-upon term, secured by a deed of trust on the property.

Is my investment secure?

Yes. Your loan is secured by a recorded deed of trust (mortgage) on the property — just like a bank loan. If we default, you have legal recourse including foreclosure rights. We recommend working with a real estate attorney at closing.

What if I need my money sooner?

We can structure a balloon payment clause into the agreement so you receive the remaining balance by a specific date. We can also discuss a shorter loan term based on your needs.

Do I need to own my home free and clear?

You don't need to own your home outright, but you do need meaningful equity. Since you'll be carrying a significant portion of the purchase price as the lender, there needs to be enough equity to make the deal structure work. If you're unsure whether you qualify, just tell us what you owe and what you think the home is worth — we can usually answer that question in minutes.

How is the interest rate determined?

We negotiate the rate with you directly. Seller carryback rates are typically higher than traditional mortgage rates, which benefits you as the lender. We aim for a rate that works well for both parties.

What does this cost me as a seller?

We cover standard closing costs. You won't pay agent commissions, inspection fees, or repair costs. Our goal is a clean, low-hassle transaction that puts maximum value in your pocket.