: Subject To :

HOOME

Why

Why Choose Subject-To?

Behind on Payments: Catch up on your financial footing without the burden of overdue mortgage payments.
No Equity: Unlike traditional sales, subject-to doesn’t require significant equity to close the deal.
Flexible Timeline: Move out on your schedule without the stress of finding a buyer or preparing for showings.
Simple and Transparent: Avoid complex negotiations and hidden fees.

Process

How the Process Works?

1: Initial Discussion
We’ll evaluate your home using online tools and have one of our contractors take a look, just to make sure we're all on the same page.
2: Property Assessment
Our process includes an online evaluation and a quick in-person look to make sure theres nothing odd going on.
3: Agreement
Once we agree on terms, we’ll draft a simple agreement outlining the responsibilities and timeline.
4: Transfer of Ownership
Ownership of your home is transferred to us, and we begin making the mortgage payments on your behalf.
5: Peace of Mind
You can rest easy knowing that your mortgage is being handled while you move forward with your life.

Benefits

Benefits of Selling Your Home Subject-To

Avoid Foreclosure: Keep your credit intact by preventing foreclosure while relieving yourself of mortgage payments.
No Equity? No Problem: Even if your home doesn’t have significant equity, subject-to offers a way to sell without out-of-pocket costs.
Quick and Stress-Free Process: Move forward without the delays of traditional selling methods or the hassle of repairs and showings
Relief from Payments: We handle the mortgage payments, giving you the freedom to focus on your next steps.

Questions

Common Questions

Will I get a fair price?
Yes! We base our offers on current market data and the condition of your property. Transparency is a core part of our process.
What if my home needs repairs?
No problem! We buy homes in any condition, so you don’t need to worry about making fixes or updates.
Are there any obligations?
No! Receiving an offer from us doesn’t commit you to anything. You’re free to decide if it’s the right option for you.
How quickly can I close?
We can close in as little as 7-14 days, but the timeline is entirely up to you.

Who

Who Benefits Most from Subject-To?

Homeowners in Distress: If you’re behind on payments or facing foreclosure, a subject-to deal can provide immediate relief.
Little to No Equity: If selling traditionally would leave you with nothing (or cost you money), subject-to lets you move on without paying out of pocket.
Need to Move Fast: For a new job, family, or personal reasons, subject-to allows you to sell quickly without waiting months for a buyer.
Tired Landlords: Avoid tenant headaches by selling your rental property directly to us.

Concerns

1: Is This Legal?
Yes, this process is completely legal in all 50 states.
2: How Can I Get Another Mortgage?
Worried about debt to income ratio? We’ll talk with the underwriter and show the property as a income producing asset and not your second house.
3: Due on Sale / Acceleration Clause?
This rarely happens but lets plan for the worst.. Here's how we deal with this if it does come up.
4: What If You Miss a Payment?
Lets plan for worst case scenario, in the event that I'm abducted by aliens and I miss a payment.. You would get the property back without a foreclosure (with all repairs and payments that have been made on my behalf since).

Possible Concerns you may have