Stack Funding in Fort Worth, TX | Swift Deal Funding
Stack (Morby Method) funding in Fort Worth, TX
Stack funding provides the cash a title company needs in escrow at closing when a seller carry-back note covers the buyer’s down payment but no real money is yet at the table. In Fort Worth, the blue-collar, fast-growing half of the metroplex with plenty of equity-rich long-time owners, that gap shows up often on creative-finance deals.
With a median sale price near $340,000 and a working-class housing base from the Stockyards and Northside to the east and southeast sides toward Arlington, Fort Worth produces a steady flow of seller-financed structures. Typical Stack amounts here run $40,000 to $150,000, with capacity up to $10 million per transaction. The recorded seller-carry note repays our funds plus a flat 2.5%, often same-day via title. We never pull credit, verify income, or ask for tax returns.
How a Stack deal closes in Fort Worth
Texas closings happen at title companies, and the state’s wet-funding rule keeps cash in escrow before disbursement — which is the very gap Stack fills:
- The deal is structured around a seller carry-back note covering the down payment and closing costs.
- We wire the cash needed at the closing table on closing day.
- Title pays the seller and records the carry-back note in second position.
- Once recorded, that second-position note pays back our funds plus the flat 2.5%, often same-day through title.
Confirm with your Fort Worth title company that they will record the second lien and handle the disbursement order as agreed before you set the closing date.
Pricing
Flat 2.5% of the funded amount. No upfront fees, collected through the closing statement:
| Funded Amount | Fee | Example |
|---|---|---|
| $50,000 | 2.5% flat | $1,250 |
| $100,000 | 2.5% flat | $2,500 |
| $500,000 | 2.5% flat | $12,500 |
| Up to $10,000,000 | 2.5% flat | $250,000 |
What you’ll need
- Executed purchase contract with seller-financing terms
- Seller carry-back amount large enough to cover the required down payment plus closing costs
- Title company prepared to record the seller-carry second-position note immediately after closing
- Written confirmation from title that the note will be recorded as agreed
A local note: on older east-side homes, account for any clay-soil foundation repairs in your numbers before closing — the carry-back note repays us regardless of condition.
A typical Fort Worth Stack scenario
An investor buys a Northside home subject-to from a long-time owner who agrees to carry a $90,000 note covering the down payment and closing costs. Texas wet-funding rules still require that cash in escrow to close. We wire $90,000 on closing day; title disburses, records the carry-back note in second position, and that note repays us $90,000 plus the 2.5% fee ($2,250) — $92,250 — same-day. The investor closes the creative-finance deal without bringing personal cash to the table.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate directly with your title company on the carry-back recording.
Frequently Asked Questions
How does Stack funding work on a Fort Worth seller-finance deal? +
Stack provides the cash a Fort Worth title company needs in escrow at closing when a seller carry-back note covers the buyer's down payment but no real money is at the table. We wire that cash on closing day; title disburses to the seller and records the carry-back note in second position. The recorded note then repays our funds plus a flat 2.5%, usually same-day through title. It is the Morby Method structure. Confirm the second-lien recording and disbursement order with your title company before you set the closing date.
Do Fort Worth's foundation issues affect Stack funding? +
Not our funding directly. Clay soil makes foundation movement common in older east and southeast Fort Worth stock, which can affect a buyer's resale or refinance later, but Stack is underwritten on the contract's seller-financing terms — not the foundation report. Where it matters is your own due diligence: make sure the deal still works after any foundation repairs before you close. The carry-back note repays us regardless of the property's condition. Confirm any engineer's report and the second-lien recording with your title company.
Stack or Echo for a Fort Worth creative-finance deal? +
Use Stack when the seller is carrying financing and a recorded second-position note repays us after closing — common on Fort Worth subject-to and owner-finance deals with blue-collar, equity-rich owners. Use Echo when you are assigning a straight contract and your assignment fee repays the funded down payment from seller proceeds the same day, which fits the city's steady flip volume. Both front cash at the closing table; if the seller is carrying paper, Stack is the right tool. Confirm the structure with your title company.
Apply for Stack Funding in Fort Worth, TX
Submit your application online — same-day decisions for complete files before 2 PM Eastern.