Subject-To is a proven real estate strategy where we purchase your home and take over your existing mortgage payments. The loan stays in your name temporarily while we renovate and resell the property—typically within 3-4 months.

Here's why it pays you more: Because we use your existing low-interest loan instead of expensive investor financing (10-12% rates), we save thousands in costs—and pass those savings directly to you as extra cash at closing.

Your mortgage payments are legally protected through the title company at closing. Here's exactly how it works:

• • Escrow Account: We fund an escrow account at closing that covers 1 month of payments as a safeguard
• • Auto-Pay Setup: Payments are set up to pay automatically directly to your lender—you'll see every payment hit your account
• • Title Insurance: Full title insurance protects the transaction for all parties
• • Legal Documentation: Everything is recorded at the county level with proper deed transfer

You can verify payments are being made anytime by logging into your mortgage account. We have a perfect track record of on-time payments.

Typically 3-4 months. Our business model is to renovate and resell properties quickly. When the property sells to a new buyer with their own financing, your original mortgage is paid off in full and released from your name.

We provide regular updates throughout the process, and you can always check your mortgage account to see when the final payoff posts. Many sellers tell us the peace of mind of knowing exactly when they'll be free of the mortgage is worth as much as the extra cash.

Subject-To is ideal if you want the MOST CASH POSSIBLE at closing and:

• • Have a low interest rate mortgage (under 5-6%)
• • Want to skip the hassle of showings, staging, and open houses
• • Need to sell fast without making repairs or updates
• • Need to relocate quickly for work or family
• • Are tired of being a landlord or dealing with problem tenants
• • Going through divorce and need a clean, fast sale
• • Inherited a property you don't want to manage
• • Want to avoid the uncertainty of traditional listings
• • Behind on payments and want to avoid foreclosure damage

Bottom line: If getting the maximum amount of money matters to you, Subject-To typically nets you $15,000-$40,000+ MORE than a traditional cash offer because we use your existing low-rate mortgage instead of expensive investor financing.

Cash may be better if: You want the mortgage completely paid off at closing (even if it means less cash) or have 40%+ equity and no time pressure.

Your credit is protected—or improved. Since we make all mortgage payments on time through the escrowed auto-pay system, your payment history continues to show "paid as agreed."

If you're currently behind on payments, Subject-To actually helps your credit by bringing the loan current and preventing foreclosure from appearing on your record. When the mortgage pays off in 3-4 months, you'll see the account close in good standing.