How We Can Help
Sell even if you owe more than your house is worth
Avoid foreclosure and damage to your credit
No need to come up with money to cover the difference at closing
We take over your mortgage payments while you move on
Relief from the financial burden of an unaffordable mortgage
Quick closing process to help you out of a difficult situation
Experienced with 'subject to' transactions and their legal requirements
Frequently Asked Questions
What exactly is a 'subject to' sale?
In a 'subject to' transaction, we purchase your home but your existing mortgage stays in place. We take over making the payments, but the loan remains in your name until it's eventually paid off or refinanced.
Is selling 'subject to' legal?
Yes, 'subject to' sales are legal, though most mortgages contain a 'due on sale' clause that technically allows the lender to demand full payment if the property is transferred. In practice, lenders rarely exercise this right as long as payments are being made on time.
What happens to my credit after a 'subject to' sale?
Since the mortgage remains in your name, your credit can still be affected by how the payments are handled. We have a strong track record of making timely payments, which can actually help your credit situation compared to alternatives like foreclosure.