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Real Estate Solutions:
We Buy Unsellable Houses

Everyday Real Estate Services: Redefining Real Estate Transactions. From creative finance solutions to distressed property problem-solving, we offer a seamless experience with integrity, expertise, and a commitment to community. Contact us today!

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Everyday Real Estate Services offers tailored solutions for unique real estate scenarios, ensuring a seamless experience for homeowners and investors, leading to successful outcomes

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Tailored Finance Solutions for Real Estate

Everyday Real Estate Services solves real estate challenges by providing tailored finance solutions, empowering clients to overcome obstacles and achieve their goals with transparency and ethical transactions

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Everyday Real Estate Services assists homeowners facing pre-foreclosure by providing expert guidance and comprehensive support, helping them find viable solutions and avoid the devastating consequences of foreclosure

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Everyday Real Estate Services solves real estate challenges by providing a wide reach, local expertise, and a dedicated in-house team that ensures a hassle-free experience for clients

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FAQ

Frequently asked questions

We have put together some commonly asked questions related to one of the way we buy homes - Taking Over Your Payments Subject-To. For more information, see Creative Finance Explained.

What happens after I send property information?

We’ll take a look at the information that you provided and may contact you by phone to get additional details about your situation and the property that you want to sell. Then, after considering all of the specifics of your home, we’ll usually be able to come up with a fair and honest offer on your property that’s a win-win-win for all of us. And once you have an offer from us, there’s no obligation whatsoever for you to accept it. We promise that the decision of whether or not to sell your home will always be totally left up to you. If you do decide to sell your home to us, the process will go fast and you even get to pick a closing date that fits your schedule!

How do I submit information to take next steps ?

In order to present your seller with a tailored offer, We will need some specific information about their situation. Don't worry, while some of the questions might seem a bit personal, they're essential for us to dive deep into the details and create an offer that's a perfect fit. Here are the key pieces of information I need to send the perfect offer: We will need the following information.


• Full Address

• Loan Amount Remaining

• Interest rate

• Monthly Payment

• Major Repairs Needed


Please send us an email here.

What is Subject-To?

A "subject-to" transaction refers to purchasing a property while keeping the underlying mortgage intact, essentially assuming responsibility for the existing mortgage. The term "subject-to" is mentioned on HUD statement lines 203 and 503, signifying that we are acquiring the property subject to the existing mortgage terms. Despite its long history, some seasoned investors and brokers may not be familiar with the subject to strategy, and may raise concerns about its legality. However, the IRS recognizes and acknowledges the subject-to strategy.

 The term "subject-to" is even listed on the HUD statement, and the IRS provides information on the subject in Publication 537, which can be found at this link: Hud Example

How am I protected?

The seller is protected by a document called a Deed of Trust, or Recorded Mortgage Deed (depending on State), and Promissory Note enforced by the closing Title Company. These legal documents allow a borrower to transfer the ownership of their property back to the original owner to avoid lengthy foreclosure and lawyer fees. This document is completed at closing and drafted by the Title Company.

Do you make payments to me, then I pay the mortgage?

No, we want this to be as painless as possible. We will pay for a loan servicing company to service our agreement.
A loan servicing company is a third-party entity that manages loan-related tasks such as collecting payments, sending statements, and ensuring that the borrower stays up to date on their payments. This helps the seller have peace of mind, knowing that their investment is being professionally managed.

What happens if you stop paying?

The seller is protected by a document called a Deed of Trust, or Recorded Mortgage Deed (depending on State),  and Promissory Note enforced by the closing Title Company. In the highly unlikely event that we are unable to make payments, the property would be transferred back to the seller through the Deed of Trust or Recorded Mortgage Deed (depending on State). This means that the seller would keep all the funds we’ve paid so far and regain possession of the house - seller could then sell it again or keep the property if they'd like.