Direct sale
Matched, verified, guided.
Options beyond the traditional mortgage: assume a seller’s lower-rate loan, buy with seller financing, or pay with cash or a bank loan. More buyers find a path to ownership, and both sides keep more of what they’ve worked for.
Now open. Free to get started in your area.
Savings first
Selling or buying directly, you skip the agent commission. You still have closing costs, paid to the providers you choose, and we show typical ranges up front.
Closing costs and savings calculatorCommission on a typical $414,400 home
If you’d otherwise have used agents. If you hire your own agent, you’d pay them. Clever Real Estate agent survey (opens in a new tab) (Aug 2026); Redfin closed-deal commission data (opens in a new tab) (Q3 2025, published Dec 2025); NAR 2025 U.S. median existing-home price (opens in a new tab) (Jan 14, 2026).
Guided every step
Most people hire an agent to get through the process. Clavesta guides buyer and seller through every step, and you keep the commission.
Licensed professionals you choose handle the legal and loan work.
Your Deal Path
Step 5 of 9
Three ways to buy and sell
Buyers can pay cash or use their own bank loan on every home. Based on the seller’s mortgage, Clavesta suggests the extra options that fit, and we’re upfront about the trade-offs.
Every home, every buyer.
You still pay closing costs, like title and escrow, to the providers you choose.
See what you’d keepTake over a seller’s lower rate.
The servicer approves the buyer, and the buyer pays the equity gap in cash or with a second loan.
How assumable loans workThe owner acts as the bank.
Usually not cheaper for buyers than a bank loan. Its value is access and flexibility.
How seller financing worksMatchmaking for homes
Think of it like a dating app for homes: both sides say what they want, and Clavesta finds the overlap. Then it helps you all the way to the keys.
See it in action
Every listing shows the price and the ways you can buy, in plain language, with the seal that means both sides have verified who they are.
Exact match
$385,000
Example area · 3 bd · 2 ba · 1,640 sq ft
Seller financing terms
$2,364/month principal and interest
Terms set by the seller.
How it works
Both sides say what they can do. Clavesta shows where you overlap and what’s left to agree on.
Cash, your own bank loan, taking over a seller’s loan or seller financing, plus where you want to live and your budget.
Exact matches come first, then homes one or two terms away, with each gap spelled out.
Verify once to see full details and message sellers who are verified too.
Agree on terms with the seller. Your Deal Path guides you through every step to closing day, and the title company, lender and other pros you choose handle the legal and loan work.
Tell us about your home and your mortgage. We show which ways to sell fit, and what you’d keep.
We confirm your identity and that you own the home before your listing goes live.
Buyers see your price and options and can reach out only after they’ve verified who they are.
Your Deal Path guides you and the buyer through every step to closing day: where you are, what’s next and who to contact. The title company and other pros you choose handle the legal work.
Trust is the product. Verification, the numbers and who does what are always visible, never buried in fine print.
Buyers and sellers confirm their identity before they can contact anyone.
Sellers show they own the home before it’s listed. Exact addresses stay private until there’s a match.
Prices, options, typical closing costs and savings in plain language, so both sides work from the same numbers.
You pick the title company, lender and other licensed pros, and your Deal Path guides you through each step. Clavesta never sets or negotiates your terms.
Clavesta’s fees are flat and one-time. They’re never a percentage of your price and never charged at closing.
Your Clavesta fee covers verification, matching, messaging, the Deal Path that guides you through every step to the keys, and the tools.
Closing costs like title, escrow, recording, transfer taxes, lender and attorney fees are paid to the providers you choose, not to Clavesta. We show typical ranges up front so there are no surprises.
Creating an account is free. The app always shows the current price before you pay.
Free tools and guides
Researched guides from the Clavesta Editorial Team and plain-language calculators with the assumptions shown. Educational information, not legal, tax or financial advice.
Clavesta’s fees are flat and one-time. They’re never a percentage of your price and never charged at closing. Clavesta Verified is $49 for buyers and sellers, and buyers add an Unlock ($79, 12 months) to connect with sellers. Closing costs like title, escrow, recording, transfer taxes, lender and attorney fees are paid to the providers you choose, not to Clavesta. We show typical ranges up front so there are no surprises.
No. Clavesta matches buyers and sellers directly and guides you both through every step, from first match to the keys, so there’s no agent commission to pay unless you choose to hire an agent. If you’d otherwise have used agents. If you hire your own agent, you’d pay them. Licensed pros you choose, like a title company and a lender, handle the legal and loan work.
Listing sites let you post a home and wait. Clavesta is a matchmaking platform: buyers and sellers say what they want, everyone is verified, and the Deal Path guides both sides through every step, from first match to the keys.
Neither. Clavesta is a technology platform. It matches verified buyers and sellers and shows the math. You and the other side decide, and licensed professionals you choose handle loans, title and closing.
Get started
Free to create an account. Flat, one-time fees only when you’re ready.
For buyers
Create a free account, tell us how you’ll buy (cash, a bank loan, taking over a seller’s loan or seller financing) and where you want to live. We’ll show you verified homes that fit.
For sellers
Create a free account to see buyer interest near your home and which ways to sell fit your mortgage: cash or bank loan, a buyer taking over your loan, or seller financing.