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Subject To (Creative Financing)

This option can help you avoid foreclosure while preserving part of your home's equity — even if you don't have the time or means to sell traditionally.

This is a great solution if you're short on time, low on cash, and still want to walk away with peace of mind.

How It Works

We take over the responsibility for making your existing mortgage payments — this is called purchasing the property "Subject To" the current loan.

  • You transfer the title to us
  • We bring the loan current and prevent foreclosure
  • We make all future mortgage payments
  • You may receive cash at closing, with remaining equity paid over time

Benefits

  • ✓Stop foreclosure immediately
  • ✓Protect your credit from foreclosure damage
  • ✓Preserve part of your equity
  • ✓Walk away with cash and/or future payments
  • ✓No need to qualify for a new loan

Your Protection

  • •All documentation handled through licensed title company
  • •Attorney-reviewed agreements
  • •Clear terms protecting your interests
  • •Professional closing process

Qualification Requirements

To qualify for a Subject To arrangement, you typically need:

  • Reasonable reinstatement amount — The amount needed to bring the loan current must be workable
  • Favorable interest rate — Ideally under 5% (but we evaluate each situation individually)
  • Clear title — No major liens beyond the mortgage (or they can be negotiated)

What Happens to Your Equity?

In some cases, you may receive a cash amount at closing, and the rest of your equity — if any — is paid over time as we maintain and eventually sell or refinance the property.

The exact structure depends on your situation, the property value, and the outstanding loan balance. We work to create a fair arrangement that benefits everyone.

The Process

  1. 1
    Initial Consultation

    We review your situation, loan terms, and equity position

  2. 2
    Property Evaluation

    We assess the property and determine a fair equity structure

  3. 3
    Agreement & Documentation

    Attorney-reviewed contracts prepared by licensed title company

  4. 4
    Closing

    Sign documents, transfer title, receive any upfront cash payment

  5. 5
    We Take Over Payments

    Foreclosure stopped, credit protected, peace of mind restored

See If Subject To Fits Your Situation

Let's review your loan terms, reinstatement amount, and equity to determine if a Subject To arrangement is right for you.

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