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Subject-to the Existing Mortgage
“Subject-to the existing mortgage” is a real estate strategy where a property is acquired with the existing mortgage in place. Rather than paying off the existing mortgage, the new owner assumes responsibility for its payments. This method allows for a smoother property acquisition process.
This transaction not only aids homeowners in enhancing their credit and avoiding foreclosure risks but also allows them to sell their property without the need to cut a check. Additionally, the absence of bank involvement expedites the closing process for the property.
Seller Finance
Seller Financing is a real estate arrangement where the seller acts as the lender, allowing the buyer to purchase the property through installment payments. This flexible financing option often doesn’t involve traditional lenders, making the home-buying process more accessible for buyers.
Seller financing empowers you to defer capital gains, sell above market value, and enjoy consistent monthly payments by taking on the role of a lender.
Cash
A Cash Offer is a straightforward and efficient real estate transaction where the buyer uses readily available funds to purchase a property. This method eliminates the need for mortgage approval, streamlining the buying process and providing sellers with a quick and hassle-free sale.