The Homeowner's Dilemma
Facing Mortgage Challenges? We've Got Solutions
- Unexpected financial hurdles can make keeping up with mortgage payments feel impossible.
- The looming threat of foreclosure can leave you feeling trapped and out of options.
- Traditional home sales might not move fast enough to address your urgent financial needs.
- You need a flexible solution that addresses your unique situation quickly and effectively.
Our Simple Process
From Stress to Solution in Four Easy Steps
Share Your Situation
Tell us about your property and current mortgage challenges. We're here to listen and help.
We Analyze Your Options
Our experts review your situation to determine the best solution, including cash offers or Subject-To deals.
Receive Your Personalized Offer
We present a detailed offer tailored to your needs, whether it's a cash purchase or taking over your mortgage payments.
Move Forward with Confidence
Once you accept, we handle all the details. Get relief from your mortgage burden and start your new chapter.
Why Choose Our Solutions
Flexible Solutions
Tailored to You
- Whether through a cash offer or a Subject-To deal, get immediate relief from your mortgage burden and move forward with your life.
- Avoid the long-lasting negative impacts of foreclosure or short sale on your credit score and financial health.
Frequently Asked Questions
We offer two primary solutions: a cash offer for your home, or a Subject-To deal where we take over your mortgage payments. Both options are designed to provide quick relief from your mortgage challenges.
In a cash offer, we buy your home outright, paying off your mortgage at closing. With a Subject-To deal, we take over your mortgage payments while you transfer the deed to us. Both options can be beneficial depending on your specific situation.
Our solutions are ideal if you're facing foreclosure, need to relocate quickly, owe more on your mortgage than your home is worth, or simply want to move on from your property without the hassle of a traditional sale.
With a cash offer, your mortgage is paid off at closing. In a Subject-To deal, your mortgage remains in place, but we take over the payments, releasing you from this responsibility.
Yes, both our cash offers and Subject-To deals are legal. We have extensive experience in these transactions and always operate within legal boundaries.
Many mortgages have this clause, but lenders rarely enforce it if payments are being made on time. We have strategies to mitigate this risk and can discuss them in detail based on your specific situation.
Benefits include avoiding foreclosure, moving on from your property quickly, potentially avoiding a loss if you're underwater on your mortgage, and resolving your housing situation without severely impacting your credit.
We prioritize your interests and have a strong track record of fulfilling our obligations. We also implement safeguards to protect you, such as third-party payment monitoring.
We can often close much more quickly than traditional sales, sometimes in as little as 7-14 days. This is particularly beneficial if you need to move quickly due to financial difficulties or other pressing circumstances.
When executed properly, our solutions should not negatively impact your credit. In fact, if you're struggling to make payments, our options can prevent the credit damage that would result from missed payments or foreclosure.
Yes, our solutions can be particularly helpful if you're behind on payments. We can often bring the loan current as part of the transaction, helping you avoid foreclosure and further credit damage.
Every homeowner's situation is unique. We offer free, no-obligation consultations where we review your specific circumstances, explain your options, and help you determine the best solution for your needs.
Your Path to Mortgage Relief
Subject-To Deal vs. Traditional Sale Headaches
Discover why homeowners facing mortgage challenges are choosing our Subject-To solution over the risky traditional selling process
| Traditional Sale - High Risk | ||
|---|---|---|
| Financial Benefits | ||
| Mortgage Relief | Immediate - We Take Over Payments | None - You're Responsible Until Sold |
| Foreclosure Risk | Likely Avoided - We Handle Payments | High Risk - If Home Doesn't Sell Fast |
| Credit Score Impact | Minimal Impact - We Keep Payments Current | Severe - If You Fall Behind or Foreclose |
| Repair Costs | None - We Take Property As-Is | $1000s - Often Required to Sell |
| Transaction Costs | $0 - We Cover All Costs | 6-8% of Sale Price - You Pay All |
| Process and Timeline | ||
| Time to Resolution | As Fast as 7 Days | 30-60+ Days, If It Sells At All |
| Number of Showings | 0 - Quick and Private | 10-25 - Constant Disruptions |
| Move-Out Timeline | Flexible - Based on Your Needs | Uncertain - Depends on Finding a Buyer |
| Home Staging | Not Required - We Buy As-Is | Often Needed - Extra Stress & Cost |
| Time to Offer | 24Hours - Quick Relief | Weeks to Months of Uncertainty |
| Relief and Flexibility | ||
| Immediate Payment Relief | Yes - We Take Over Your Mortgage | No - You're Stuck Until It Sells |
| Privacy | High - Your Situation Stays Private | Low - Financial Stress Becomes Public |
| Certainty of Outcome | 100% - We Step In Right Away | Low - Market Conditions May Worsen |
| Potential Cash at Closing | Possible - Depending on Equity | Unlikely - If in Financial Distress |
| Flexible Solutions | Yes - Tailored to Your Situation | No - Standard Process Only |