Build real wealth.
Without the banks.
Move your license to eXp with us, and the entire Seller Finance Academy video course is yours for free. Cloud brokerage, 80/20 to a $16k cap, and revenue share on the agents you bring.
Watch Mel's talk · less than 10 mins
abigail
19
Off-market deals in a single year
Mel
34
Rental units built with creative financing, starting at $500 down
• WHO WE ARE
We got tired of asking permission.
We came at real estate from two different doors. A social worker who bought her way out, and a dealmaker who finds property nobody else has seen yet. We're moving to eXp together and bringing the whole playbook with us.
Mel Dorman
Founder, Seller Finance Academy
Mel Dorman went from dumpster-diving in their twenties to building a multimillion-dollar real estate portfolio in their thirties, combining traditional bank loans with creative seller financing to acquire 34 rental units in just five years. A former social worker turned financial activist, Mel shows that wealth doesn't have to flow through Wall Street to grow.
As the founder of the Seller Financing Academy and author of Bank on Your Neighbor, Mel teaches everyday people how to use both conventional tools and community-based financing strategies to buy property, build equity, and keep wealth circulating locally instead of siphoned upward to billionaires. Their TEDx talk on creative finance became an Editor's Pick and has reached hundreds of thousands of viewers hungry for an alternative to the corporate grind.
Mel's mission is simple: decentralize wealth, empower neighbors, and prove that ordinary people can rewrite the rules of money one seller-financed deal at a time.
Abigail Alder
Off-market acquisitions
Abigail Alder is a licensed real estate broker in Oregon and Washington, an investor, and a creative problem-solver serving Southwest Washington and the Portland metropolitan area.
With experience in both traditional real estate and investing, Abigail specializes in off-market opportunities and relationship-driven transactions. She helps buyers and investors discover properties that may never be publicly listed while providing sellers with private, flexible alternatives to the traditional listing process.
Known for her calm presence, strategic negotiation skills, and thoughtful approach, Abigail creates solutions around each client’s priorities. Deeply rooted in the Pacific Northwest, she believes real estate should create freedom, strengthen communities, and help people build lives they genuinely want.
• WHY EXP
The brokerage part, plainly.
80/20 to a $16k cap
You keep 80 percent until you've paid in $16,000 for the year. After that the rest of the year is yours.
Revenue share
When you bring agents in, you earn on their production. This is the part that keeps paying after you stop selling.
eXp University
Live training most days of the week, included, and separate from anything we teach.
Cloud brokerage
No desk fees, no office, no franchise cut. You work from wherever you already work.
• TWO WAYS IN
Whether you're licensed yet or already at eXp.
Path one
Join under us
Getting your license or switching brokerages? Name us as your sponsor when you move to eXp.
Path two
Co-sponsor with us
Already at eXp? You can still co-sponsor. Bring agents into the collective alongside us and they get the same access. So do you.
You sell the asset. You just don't own any of it.
You know this market better than the people buying in it. The gap isn't knowledge.
Your income resets to zero every January.
Commission is production, not ownership. Stop producing and it stops, no matter how many years you've been at it.
You watch deals die at the lender and can't do anything about it.
Financing falls through, the buyer walks, the listing goes stale. There was another way to structure it and nobody in the room knew it.
Your brokerage takes a cut and gives you a desk.
Split, franchise fee, desk fee. You're funding an office you use twice a month.
Creative financing keeps coming up and you don't have a real answer.
Sellers ask. Investors ask. Right now you refer it out or you lose it.
• WHAT IS SELLER FINANCING
You work directly with the seller. No bank in the room.
Instead of borrowing from a lender, buyer and seller agree on price, interest rate and terms directly. This is how real estate used to work, before algorithms replaced conversations.
Find a motivated seller
Roughly 4 in 10 homes in this country are owned free and clear, no mortgage at all. We teach you how to find free and paid sources to close your first deal.
Start with the person
Behind every property there's a story. Solve the seller's problem first, and the money follows.
Structure it so you both win
You have multiple levers to negotiate, not just price. Move them around until it's a yes for both of you.
Close the deals the bank can't
Stale listings, buyers the bank turned down, deals the lender killed. Seller financing gives you another way to get them to closing.
What this means for you as an agent
Turn stale listings into sales.
Get paid your commission after long days on the market.
Turn buyers the bank rejected into homeowners.
Show your sellers how they can make tens, even hundreds of thousands of dollars more than the listing price.
Save deals that fall apart when the lender backs out.
• WHAT YOU GET
Two things, and they're both yours free.
The full video curriculum
Fifty-seven step-by-step lessons covering seller sourcing, running the numbers, structuring terms, drafting the offer, protecting yourself legally, and making debt mobile so one deal becomes many. Lifetime access.
$2,000
The Deal Closer Kit
The Deal Closer Kit: The playbooks, scripts, forms, and templates from inside the course, ready to use on your first deal.
$1,000
$3,000
Free
• STUDENTS RESULTS
This isn't theory. These are real people.
Results shown are individual experiences and are not typical, average, expected, or guaranteed. Individual results vary based on background, experience, effort, capital, market conditions, financing, deal flow, expenses, professional support, and execution. SFA does not guarantee that any student will close a deal, earn income, generate cash flow, build a portfolio, recover program costs, or achieve any particular financial outcome. Real estate transactions involve risk.
• THE NEXT STEP
One call. No pitch deck.
Thirty minutes on whether moving your license makes sense for you. You'll get a straight answer either way.
Where you are now
Your current split, your fees, and what you're actually netting.
What the move looks like
Timing, the license transfer, and what changes on day one.
Sponsor or co-sponsor
Which of the two paths fits your situation.
Clarity and resources
You leave with a clear next step and the resources to act on it, whether you join us or not.
• QUESTIONS
Honest answers to the real questions.
I'm already at eXp. Is this for me?
Yes. You can co-sponsor with us. You bring agents into the collective alongside us, they get the course and the Deal Closer Kit, and so do you.
I'm getting my license, or I'm at another brokerage. What do I do?
Name us as your sponsor when you join eXp. That's the whole process. The course and the Deal Closer Kit come with it.
What does the course actually cost me?
Nothing. It's $ 3,000 in program value, and it's included because you moved with us. There's no upsell on this page.
Do I get coaching or a deal hotline?
No. This is the video curriculum. The one-on-one coaching, the CRM, the direct mail program, and the deal hotline are part of the paid SFA program and are not included here.
Do I need to know creative finance already?
No. This is the video curriculum and the Deal Closer Kit. The one-on-one coaching, the CRM, the direct mail program and the deal hotline are part of the paid SFA program and are not included here.
Is there a guarantee?
No. The paid SFA program has one. This doesn't, and we'd rather say that here than on a call.
• ONE CONVERSATION AWAY
Come build something you own.
No pressure. A real conversation about whether this is right for you.
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