Selling Shouldn’t Mean Losing.
Creative and Innovative Solutions to Buying and Selling Real Estate.
We don’t just buy and sell real estate. We create solutions that give people a way out, a way forward, and a way to keep more of what’s theirs.
(516) 475-2103
The Problem
Real Estate Isn’t “One Size Fits All”
Owning a home or carrying a mortgage was supposed to be the American dream
A symbol of stability and security. But life doesn’t always go according to plan. What once felt like a blessing can quickly become a financial burden, and traditional real estate solutions might make it worse instead of better.
A Better Way Forward
We believe you shouldn’t have to lose money just to move on. That’s why we provide alternative solutions beyond the traditional home sale. Options that allow you to walk away with cash, protect your financial future, and avoid the stress of drawn-out selling process. Options catered to your individual and unique situation.
Instead of walking away with nothing or in some cases owing money, you can sell your mortgage or transfer your property subject-to (Sub2) the existing loan.
Here’s what that means for you
Immediate Relief: No more sleepless nights wondering how to cover the next payment.
Fast Process: Close in weeks, not months.
No More Red Tape: Avoid complicated refinancing or rigid bank approvals.
Protect Your Credit: As long as payments are maintained, your record stays clean.
Cash in Hand: Many mortgage sales or Sub2 transfers put money directly in your pocket today.
Our Mission & Vision
Our mission is simple: to give homeowners options that protect their equity, sell their home at a profit, and put them back in control.
Selling your home shouldn’t mean walking away with nothing. It definitely shouldn’t mean walking away owing money. There’s options where having flexibility, security, and the power to move forward on your terms is not a myth.
We see a future where nobody is forced into foreclosure, where selling a mortgage is as straightforward as selling a car, and where innovative solutions like Sub2 become common knowledge, not hidden secrets.
(516) 475-2103
Don’t just settle. You have more options than you think. We promise. Whether you’re facing foreclosure, need cash fast, or just want a clean break, we have solutions that work.
Trusted Expertise – Years of experience in creative real estate strategies.
Transparency – No hidden fees, no gimmicks, just clear and honest terms.
Speed & Simplicity – We cut through the red tape so you can focus on what matters: moving forward.
FAQ
What is Sub2 (Subject-To)?
“Subject To” (often called Sub2) is a creative real estate strategy where a buyer takes ownership of a property subject to the existing mortgage that stays in the seller’s name.
The deed transfers to the buyer.
The mortgage loan stays in the seller’s name.
The buyer makes payments on the seller’s existing loan (usually directly to the bank, sometimes through an escrow service).
This allows the buyer to acquire property without needing to qualify for a brand-new loan, and the seller can move on without the burden of continuing payments.
Is Selling My Mortgage Legal?
Yes! Selling your mortgage is 100% legal and regulated transaction. Thousands of mortgage notes are sold and closed every day in the United States.
How Does This Process Work?
While every situation is unique, the process typically stays the same.
First, we start with an introduction. Here we can view photos, public records & speak in depth about your situation.
We can then arrange a time to meet at the property and to a walkthrough.
After the information is reviewed and the walkthrough is complete, we will draft a few different options for you to review.
You may accept, negotiate further or decide it's not for you. We are here to support you every step of the way.
Will this Clear From My Debt-to-Income Ratio?
Yes. Typically it takes a year of someone other than you making payments to clear your DTI.
We have solutions to clear the note from your DTI within 24-48 hours after closing.
How Fast Can We Close?
Closing time varies by situation but typically fall between 10-21 days.
Will I Still Owe Money After Selling My Mortgage?
No. Once sold, the new lender owns the mortgage. You walk away with the agreed-upon payout.
Is this the Same as Assuming a Loan?
Yes and no. While the concept is similar, assuming a loan involves the transfership of that loan to that individuals name through the lender.
While this is also a common occurrence, we believe the many disadvantages it has to both buyer and seller make this a less attractive method of purchasing a mortgage.
While a lender can claim the interest rate, principal amount or other terms of the loan won't change, far too often we have seen lenders claim a "legal loophole" to adjust the terms.
What if the Buyer Stops Making the Payments?
In the unlikely event that the buyer stops making payments, you basically hit the lottery.
Purchasing a mortgage comes with a Deed in Lieu of Foreclosure that allows the seller to reclaim the property without having to go through the foreclosure process should the buyer miss just 2 consecutive months of payments.
You then walk away with the proceeds from the closing, the equity from the buyers previous payments and the ability to resell the home.
Not every property needs to be sold traditionally; selling your mortgage can create options that fit your individual and unique situations.
Who We Help
Homeowners in Distress
Divorcees & Families Splitting Assets
Estate & Inherited Property Owners
Underwater & Low-Equity Owners
Problem Property Owners
Investors & Landlords
