Sellers now have a way to move without losing their low-rate mortgage
IRVINE, Calif., Sept. 4, 2025 /PRNewswire/ — DossDocs, the only on-demand loan doc platform built by the nation’s leading mortgage law firm, announced today the launch of the first automated Seller Financing Docs built for wrap-around mortgages.
Millions of homeowners locked into 2–4% mortgage rates have delayed selling, not wanting to give up that historically low rate for a 6.5% loan on their next home. Now there’s a ‘goldmine’ of an option.
With DossDocs’ Seller Financing Docs, homeowners can sell their property and wrap their low-rate mortgage into a new loan to the buyer. The buyer pays one monthly amount to the seller. The seller uses part of that to pay their original mortgage and keeps the rest as income. That cash flow can help offset the higher cost of the seller’s next mortgage.
“This gives sellers a way to finally make a move they’ve been waiting a long time for,” said Dennis Doss, CEO of DossDocs. “They can go from a 2.5% to an effective 4% rate instead of jumping straight to 6.5%. It’s a win-win for the seller and the buyer, who finally have something easy to work with.”
Also known as an All-Inclusive Trust Deed (AITD), this structure is legal, enforceable, and often overlooked because the documents are complex. DossDocs now makes it instant, easy, and cost-effective.
DossDocs is the first platform to offer complete, compliant loan documents for wrap-around seller financing in all 50 states. Sellers, agents, and advisors can generate a full document set in minutes at a $499 price point.
“Most homeowners don’t even know this is a thing,” said Aletha Nelson, Vice President at DossDocs. “It’s a great option for those who’ve been waiting and waiting for rates to come down. We knew this would be the best place for us to start as we expand into consumer loan docs.”
Seller Financing Docs includes everything needed to close a compliant, enforceable transaction, built on Fannie Mae-standard documents with a custom all-inclusive rider. It’s designed for homeowners, but smart enough for attorneys. This launch brings real movement back to a market that’s been stalled for far too long and gives consumers a way forward.
It’s available now at www.dossdocs.com.
About DossDocs
DossDocs™ is a cloud-based platform developed by seasoned mortgage law attorneys to simplify the loan documentation process. With 50-state compliance, automated legal updates, and instant access to attorney-built documents, DossDocs helps sellers and professionals close faster and with less risk. No contracts. No subscriptions. No setup. Just complete, compliant loan docs on demand. Learn more at www.dossdocs.com.
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