For buyers · Direct sale
Tell us how you’ll buy: cash, your own bank loan, taking over a seller’s lower rate, or seller financing. Clavesta matches you with verified homes that fit, and guides you to the keys.
Savings first
No buyer’s agent commission, and one flat Clavesta fee. You’ll still pay closing costs to the providers you choose: buyers with a mortgage typically pay about 2%–5% of the price, not counting the down payment (Freddie Mac, CFPB). Cash buyers skip lender fees.
Estimate your cash to closeBuyer’s agent commission 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).
Three ways to buy
Choose any mix in your buyer profile. We explain each one in plain language, with the trade-offs.
Buy with cash or your own lender.
A lender decides on your loan. Cash deals often close faster.
Can I get a mortgage?Take over a seller’s lower rate.
You pay the equity gap, the price minus the loan balance, in cash or with a second loan.
How assumable loans workBuy without a bank.
Usually not cheaper than a bank loan, and many notes have a balloon payment.
Buying without a bankPrivate check
Answer a few questions to see an estimated budget, which loan programs might fit, and other ways to buy if a bank isn’t the right fit. It’s an estimate, not a pre-approval.
Your answers stay private. On the site they never leave your browser. In the app, they’re never shown to sellers and never used to rank you.
Can I get a mortgage?Who it’s for
Whether you’re pre-approved or your income doesn’t fit a bank’s checklist, there’s a way to buy directly.
Buy straight from verified sellers, with your own lender or cash, and no buyer’s agent commission to pay.
Your income is real, but it doesn’t fit a W-2 checklist. A seller can look at the whole picture.
A past bankruptcy or late payments can shut you out of bank loans for years. Sellers set their own requirements.
A thin credit file or a newer history in the U.S. doesn’t have to be the end of the conversation.
Assumable FHA, VA and USDA loans keep the seller’s original rate if you qualify with the servicer.
How it works
Both sides say what they can do. Clavesta shows where you overlap and what’s left to agree on, then guides you both through every step to the keys, the step-by-step help people usually hire an agent for. You and the seller decide.
The steps of a direct home saleCash or your own bank loan, taking over a seller’s loan, seller financing, or any mix. Plus where you want to live, your budget and timeline.
Homes that fit come first. Homes one or two terms away show each gap, like “Price: seller $420,000, you $400,000.”
Verify your identity once to see full listing details and message verified sellers.
You and the seller agree on terms yourselves. Your Deal Path guides you both through every step to the keys: where you are, what’s next and who to contact. Your lender, a title company and other pros you choose handle the closing.
Be ready
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.
No. Buying directly on Clavesta, there’s no buyer’s 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. Since August 17, 2024, buyers who work with an agent sign a written agreement with them, and pay is negotiated deal by deal.
No. Clavesta is a technology platform that matches buyers and sellers and explains the options. You bring cash or your own bank loan, take over a seller’s loan with the servicer’s approval, or the seller provides financing. Licensed professionals you choose handle loans, title and closing, and your Deal Path guides you through every step.
Creating an account is free. Clavesta’s fees are flat and one-time. They’re never a percentage of your price and never charged at closing. Buyers pay Clavesta Verified ($49) and an Unlock ($79, 12 months with every seller). Your closing costs go to the providers you choose; buyers with a mortgage typically pay about 2%–5% of the price (Freddie Mac, CFPB).
Usually not. Sellers tend to charge rates close to or above bank rates, because they take on more risk. Its value is access and flexibility for buyers who don’t fit bank rules. Assumable loans are the path that can lower your rate.
Your buyer profile is private and used to find your matches until you choose to connect. Answers to the mortgage check are never shown to sellers and never used to rank you. We never sell your information.
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.
Educational information, not legal, tax or financial advice.