Our Services

1. We take full responsibility for all mortgage, insurance, PMI payments, and any upkeep linked to the property. The seller is excused from any maintenance or repair tasks. All these duties are transferred to the buyer.

2. This arrangement can enhance your credit status when payments are consistently made on time. As the mortgage remains in your name and every serviced payment is reported to the credit bureaus, your credit stands to gain directly.

3. Say goodbye to the need for bank procedures or appraisals that often delay the closing process.

Yes! In the closing statements that get distributed at the end of every real estate transaction, there is actually language and placeholders in there for loans getting taken over using subject-to. These transactions happen every day and you can verify on line 203:

https://www.hud.gov/sites/documents/1.PDF

Watch this video: Buying Subject To Existing Loan is LEGAL!


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.

We work with licensed service companies that will contact your bank to provide proof that the payment is being assumed by another party, therefore enabling your lender to remove it from your DTI.

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 are legal documents that 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.

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.

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.