We take over your mortgage and other debts. You get cash in hand. We fix up your house and sell it for more, sharing that extra value with you.
Here's exactly what you'd get with each option. No confusion, no hidden fees.
Put your house on the market the traditional way. This is for comparison only — we don't offer this service.
Why the Discount?
Your house needs paint, floors may be worn, and buyers will want you to fix things. They'll offer 15-20% less because of this.
Takes 3-6 months
10-30+ showings
You pay all fees
We buy your house with cash. No financing needed. We pay less because we're taking all the risk ourselves.
Why We Offer Less
We have to pay for repairs ($20K-$30K), hold the house while selling, and make a profit. That's why we offer 70% minus repair costs.
Close in 7-30 days
No showings
We pay closing costs
We buy your house Subject-To — we take over your mortgage and pay off any other debts. You get your cash and are on your way. Then we renovate the house and sell it for more, sharing that extra value with you.
How You Get More Money
Your house is worth $285,000 as-is. But we buy it Subject-To — we take over your payments while we renovate. When we sell it to a new buyer, your mortgage gets paid off and your name comes off it. The extra value from renovations is shared with you.
We buy it Subject-To: We take over your mortgage while we renovate. When we sell to a new buyer, your mortgage gets paid off and your name comes off it.
Close in 14-30 days
No showings while you live there
We handle everything
Why Take Over My Mortgage puts more money in your pocket
With a Realtor: You'd get $216,600 after 3-6 months. But buyers will knock 15-20% off the price because your house needs work.
With a Cash Offer: You get $185,000 fast. But we're offering less because we have to repair and resell the house ourselves.
With Take Over My Mortgage: You get $250,000 total. We take over your mortgage, pay off your other debts, you get your cash and move on. Then we renovate and sell the house for more — sharing that extra value with you.
$285,000 — What your house is worth today, with all the repairs it needs. This is what both retail buyers and investors base their offers on.
We invest $45,000 in renovations — new paint, floors, updates. This moves your house into a higher market tier where it's worth more.
$340,000 — After renovations, the house sells for more. We share that extra value with you instead of keeping it all.
This is similar to how house flippers work — but instead of keeping all the renovation profit, we share it with you. That's why you get more money than a cash offer.
Need to Sell Fast
Don't want to wait 3-6 months
Can't Afford Repairs
House needs work you can't pay for
Military PCS
Moving for work, need out fast
Enough Equity
House is worth more than you owe
No Showings
Don't want strangers walking through
Not Enough Equity
You owe more than the house is worth
The exact amount depends on what you owe, your house value, and what repairs are needed. We'll give you a firm offer after looking at your property.
Ready to see which option works for you?
Get Your Cash OfferEverything you need to know about selling your house without listing it.
Instead of paying off your mortgage like a traditional sale, we simply take over your payments. We assume ownership of your house, take over your mortgage and any other debts (like a solar loan), and give you cash at closing.
You don't have to come up with money to pay off your loan — we handle it by taking over the payments.
A regular cash investor has to pay for everything upfront and make a profit. They have to discount your house heavily to cover repairs, holding costs, and their profit margin.
With us, we don't need as big a discount because we make our money by fixing up the house and selling it for more. That means more money in your pocket than a regular cash offer.
Yes. Taking over someone's mortgage is completely legal in Texas. It's been done for decades.
Your lender technically has the right to call the loan due, but they rarely do this when payments are being made on time. We work with licensed Texas real estate attorneys to make sure everything is done properly.
Subject-to transactions are recognized under Texas Property Code § 5.069 and have been standard practice for many years. Our transactions are handled by licensed attorneys in compliance with Texas Real Estate Commission (TREC) guidelines.
Since we take over your mortgage, the loan stays in your name for a while. Here's what that means:
We can often take over second mortgages, home equity loans, or other liens — it depends on the numbers. We'll analyze your specific situation and explain exactly what we can and cannot assume.
Some debts work well with this approach, others don't. We'll give you a clear answer upfront.
14-30 days from offer to closing — much faster than listing with a realtor (3-6 months).
We can work with you on timing:
We'll find a solution that works for you.
There are a few things to know:
We minimize these risks by making timely payments and working to get the loan paid off as quickly as possible.
From offer to cash in hand — we make it easy.
Fill out our form or call us. We'll look at what you owe and what your house is worth.
We'll tell you exactly how much cash you'd get and what we'd pay off on your behalf.
In 2-4 weeks, we take over your mortgage, pay off your debts, and you get cash.
We fix up your house and sell it. Your debts are paid. You have cash in hand.
There's no obligation. We'll look at your situation and tell you exactly what we can offer.
Get Your OfferOr call us directly: (XXX) XXX-XXXX