When the bank says no, that's not the end of the conversation.
I'm Brian Ediger — a licensed Colorado real estate broker who helps people buy and sell homes through creative financing. Subject‑to, seller financing, and other structures built around real life, not just a credit score.
Active member of the SubTo creative‑finance community
Maybe you've already been told no.
Traditional financing works for a lot of people. When it doesn't, that doesn't mean you're out of options — it means it's time for a different structure.
You need a way out
Behind on payments, relocating fast, managing an inherited property, or carrying a home you can't keep — without dragging it through months on the market.
The bank passed
Self‑employed, rebuilding credit, new to the country, or simply tired of today's interest rates. Your situation is more than a single number on a report.
You want it to pencil
Looking for deal structures that actually work when a conventional loan won't — and a licensed broker who understands how to put them together.
Get early access to deals →Two ways a deal can work without a traditional bank loan.
These are the two structures I work in most. No jargon — here's what they actually mean.
Subject‑to
The existing mortgage stays in place, and ownership transfers to the buyer, who takes over making the payments. It can be a fit when the current loan's terms are better than anything available on the market today.
Often used when: a seller needs out quickly and the loan is in good standing.
Seller financing
The seller acts as the lender. The buyer pays them directly over time, on terms the two sides agree to — usually with far less red tape than a bank, and a lot more flexibility on the details.
Often used when: a buyer can't qualify conventionally but can clearly afford the payments.
There are more structures than these two — wraps, lease options, and others. These are where I work most directly, and I bring in the right people from my network when a deal calls for something else.
Creative financing is powerful, but it carries real legal and tax responsibilities for everyone at the table. I'll always encourage you to have your own attorney and tax professional review a deal before you sign. That's not me hedging — it's how good deals stay good.
Same goal. Different path to yes.
What it looks like to work with me.
A real conversation
Tell me the situation — no pressure, no obligation. Most of this is just listening.
We weigh the options
We look at which structures actually fit — including whether traditional is still your best move.
We structure the deal
Paperwork, disclosures, and the right professionals brought in to do it properly.
You move forward
With the terms in writing and someone in your corner who understands them.
I didn't come to real estate from the usual direction.
I've worked a lot of jobs to get to this one — farm fields with my grandfather, grocery aisles, sandwich and cookie counters, casino floors. It means I've sat on the same side of the table as most of the people I help, and I don't forget it.
By trade I'm a bookkeeper, so the fine print doesn't scare me — and I spend my weekends teaching and preaching. Put those together and you get what I actually do here: take something complicated and make it plain enough to trust.
I chose creative financing because it helps people the traditional system tends to leave behind — a deed and a bank loan aren't the only way a home can change hands. I'm based in Colorado — usually with my Bernedoodle, Velvet, somewhere underfoot — and building toward serving clients across the country as my studies take me further afield. Wherever I am, the deals can travel.
- Role Independent, licensed Colorado real estate broker
- Focus Subject‑to & seller financing
- Serving Colorado, expanding nationwide
- Community Active in the SubTo creative‑finance network
- Approach Plain language, no pressure, real options
Tell me what you're working through.
No pressure and no obligation — just an honest conversation about whether there's a structure that fits your situation.
Schedule a callPrefer email? Reach me anytime: