We take over the payments
Loan Takeover (Subject-To)
Your 3% mortgage can be worth more than your equity. Here we keep that loan alive and take over the payments, so you stop paying without taking a price cut.
What it is
You sell us the house, and the existing mortgage stays in place. We start making the payments on it, on time, every month.
"Subject-to" just means the sale happens subject to the loan that's already there. Nothing is refinanced, so there's no new bank approval to wait on.
Payments are made through a licensed third-party loan servicer. That's a neutral company that collects from us and pays your lender, so you can log in and see every payment that was made.
Things to know (the honest part)
- Being honest here matters: the loan stays in your name. We take over the payments, but the lender's paperwork still shows you.
- That's why we use a licensed third-party servicer — so the payments are documented by someone other than us and you can verify them yourself.
- Most mortgages have a "due on sale" clause, meaning the lender can ask for the balance when the house transfers. In practice, lenders that are being paid on time rarely act on it, but you should know it exists.
- Have your own attorney read the agreement before you sign. We encourage it every time.
Quick questions
Keep comparing
Other ways worth a look
Cash Sale
The only option most sellers ever hear about — and the one that pays the least. Worth taking when a firm date matters more than the last dollar.
Seller Financing (Installment Sale)
You keep your full asking price and collect a monthly payment instead of a lump sum. The house is sold; the income isn't done.
Novation (Partner Sale)
The repairs get done and you never write a check for them. Your number is agreed before the first crew shows up, and the deed stays yours until closing.
Let's find the way that actually solves your problem.
Tell us about your house and your timeline. We'll lay out every option side-by-side — including the ones that don't involve us.