Stack Funding in Augusta, GA | Swift Deal Funding
Stack Funding in Augusta, GA
Stack funding — built on the Morby Method — supplies the cash an Augusta closing needs at the table when a seller carry-back note covers the buyer’s down payment but the closing still requires real funds to fund. The recorded seller-carry note then repays our funds plus a flat 2.5%, often same-day. It’s the right tool for creative-finance and subject-to deals in Augusta’s affordable market — Harrisburg and Olde Town fixer-uppers, plus rental buys near Fort Eisenhower — where equity-rich owners prefer payments over a full cash payout. Capacity runs up to $10 million per transaction, though Augusta deals are typically modest.
How Stack funding closes in Augusta
Georgia closings are attorney-conducted: a licensed Georgia attorney both runs the closing and records the seller-carry second-position note — a title company alone cannot. In Augusta’s smaller market, confirm your chosen firm is comfortable with the carry-back recording. The seller agrees to a carry-back covering the down payment and costs; on closing day we wire the cash needed at the table, the attorney closes, records the note in second position, and that note repays our funds plus 2.5% — typically same-day through the attorney’s trust account. Standard turnaround is about 48 hours from a complete file. Get written confirmation the attorney will record the note as agreed.
Pricing
Flat 2.5% of the funded amount, collected through the settlement statement. No upfront fees.
| Funded amount | Fee |
|---|---|
| $20,000 | $500 |
| $45,000 | $1,125 |
| Up to $10,000,000 | 2.5% flat |
What you’ll need
- Executed purchase contract with seller-financing terms
- A carry-back amount that covers the required down payment plus closing costs
- A licensed Georgia closing attorney ready to record the second-position note immediately after closing
- Written confirmation from the attorney that the note will be recorded as agreed
No credit check, income verification, or tax returns.
A typical Augusta Stack scenario
A long-time owner of a $190,000 Harrisburg home agrees to a subject-to/seller-carry deal. The carry-back covers the $20,000 the buyer would otherwise bring as a down payment, but the closing needs that cash present to fund. We wire $20,000 on closing day; the Georgia attorney closes the deal, records the second note, and it repays us $20,000 plus a $500 fee (2.5%) — typically same-day. The seller collects payments, the buyer needed little cash, and you keep the spread.
Apply
Send your purchase contract and seller-financing terms online — we coordinate the carry-back recording directly with your Georgia closing attorney.
Frequently Asked Questions
Who records the second note on an Augusta Stack deal? +
The licensed Georgia closing attorney handling your Augusta closing records the seller-carry second-position note. Georgia is an attorney-closing state, so a title company alone cannot conduct the closing or record the instrument — the attorney does both. We provide the cash needed at the table on closing day, and the recorded second note repays our funds plus a flat 2.5%, often same-day through the attorney's trust account. Confirm in writing that the attorney will record the note as agreed before scheduling.
What Augusta deals fit Stack funding? +
Stack fits seller-financed structures where a motivated seller carries back a note covering the buyer's down payment, but the closing still needs real funds at the table. In Augusta, that's common on subject-to deals in Harrisburg and Olde Town and on rental buys near Fort Eisenhower, where long-time owners with equity prefer steady payments to a full cash-out. With Augusta's affordable prices the funded amounts are modest. If there's a real assignment fee instead of seller financing, Echo is usually the better tool.
How is Stack different from a double close in Augusta? +
A double close has us fund the full A-B purchase, repaid from the end buyer's proceeds at the same closing. Stack is for seller-financed deals: the carry-back covers the down payment, we supply only the cash the closing needs, and a recorded second-position note repays us afterward. Both must be conducted by a licensed Georgia attorney, but Stack hinges on the seller-financing terms and the attorney being ready to record the second note immediately after closing.
Apply for Stack Funding in Augusta, GA
Submit your application online — same-day decisions for complete files before 2 PM Eastern.