Subject-To
We take over the payments.
Subject-To is a legitimate acquisition structure where we purchase the property while keeping your existing financing in place. Ideal for over-leveraged, low-equity, or default-adjacent situations.
How it works
Title transfers to us; your existing mortgage remains in place. We make the payments directly to the lender going forward.
Why sellers choose it
Preserves your credit, stops the bleeding on a distressed asset, and closes faster than a traditional refinance-and-sell.
When it fits
Payments behind, low or negative equity, favorable existing interest rate, or a rate you'd rather not pay off.
Handled correctly
Closed through a licensed attorney or title company with proper disclosures and documentation.