Option 5. Subject To (Creative Financing)

This option may allow you to avoid foreclosure while still

preserving a portion of your home’s equity—even if you don’t

have the time or means to sell traditionally.

Here’s how it works:
We take over the responsibility for making your existing mortgage payments—this is what’s known as purchasing the property “Subject To” the current loan. In most cases, you would transfer the title, and we would bring the loan current, preventing foreclosure and avoiding damage to your credit.

In some cases, you may receive a small amount of cash at closing, and the remainder of your equity—if any—is paid to you over time. This is typically done through a promissory note or recorded agreement, all handled through a licensed title company and with attorney-reviewed documentation to protect your interests.

While this structure helps us cover costs and earn a return, our goal is always to ensure that the homeowner walks away with dignity—and whenever possible, with equity intact and foreclosure avoided.

This option isn’t for everyone—but for the right situation, it can be a powerful alternative to losing your home at auction or walking away with nothing.

To qualify for this option:

* Your reinstatement amount must be reasonable

Your interest rate should ideally be under 5%

This is a powerful strategy if you’re short on time, have little cash, and still want to walk away with dignity and full equity recovery. We’re happy to help you explore whether this could be a fit for your situation.