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Sell your Texas home — even with no equity.
Owner finance and Subject-To homes across Texas. Real PITI shown upfront. Close in 3-5 weeks.
Texas Owner Finance Plain English
Four situations we close every month.
If you recognize your situation in any of these, owner finance or Subject-To is likely a fit. Submit your property and we’ll review your options within 24 hours.
Behind on payments
Owner finance and Subject-To homes across Texas. Real PITI shown upfront. Close in 3-5 weeks.
Negative equity
You owe more than the home is worth. Subject-To transfers the loan to the buyer without you bringing money to closing.
No equity
Bought recently or refinanced into the loan? Owner finance lets you sell without a 6% agent commission eating into a thin margin.
MLS expired
Listing came and went without an offer? We can match your home to a Subject-To buyer in weeks, no public re-listing.
Plain English
What is Subject-To, and why representation matters.
Subject-To lets a buyer take over your existing mortgage payments. The loan stays in your name, the deed transfers to the buyer, and the monthly payment gets paid by them going forward. It’s how we close deals when MLS won’t work.
That flexibility opens doors — but it requires structure. When we represent a Subject-To sale, we make sure all three pieces are protected:
- Down payment + monthly terms — what the buyer pays you upfront and monthly going forward
-
Loan-protection structure — paperwork and escrow that protects you if the buyer stops paying
- Title + attorney + escrow — every deal closes through a title company with an attorney involved
How It Works · For Sellers
Four steps from submit to closed.
Same playbook every time. No public listing, no agent commission, no surprises at closing.
01
Submit
Fill out the property form below. Takes 5 minutes. We review within 24 hours.
02
Review
We tell you which exit path fits — Subject-To, owner finance, or traditional — and the numbers each way.
03
Match
We bring qualified buyers to the table. No open houses, no MLS, no random foot traffic.
04
Close
Title + attorney handle the paperwork. You sign, the deed transfers, you walk away.
Seller Stories · Real Closes
How Texas sellers got out from under it.
Real deals, real outcomes. Read the full story on the blog
Buyer Stories Duplicated
[hfe_template id=’9′] Buyer Representation for owner finance Homes Buying with owner finance is different. If traditional financing hasn’t worked for you – or you want
Buyer Stories Main Blog Page
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Confidential · 24-hour review
Submit your property. Get your options.
Tell us about your home and your mortgage situation. We review within 24 hours and tell you the realistic exit paths — Subject-To, owner finance, or traditional listing — and the numbers each way.
- Confidential review — no public listing
- No commitment — review your options first
- No agent commission on Subject-To deals
- Title company + attorney involved on every close
Common Seller Questions
The questions we get every week.
Does the loan stay in my name?
On a Subject-To sale, yes — the loan remains in your name, but the deed transfers to the buyer and the monthly payment is paid by them going forward. We use a servicing setup so the payments go through a third party, not directly to you, which protects both sides. On an owner-finance sale, the loan situation depends on whether you own the home free and clear or have an existing mortgage.
What if the buyer stops paying?
This is the most important question, and it’s why structure matters. The deal documents include default protections — typically a deed-in-lieu or a recorded performance deed of trust — that let you take the property back if the buyer misses payments. We don’t close a Subject-To deal without these protections in place.
Is there an agent commission?
No 6% MLS agent commission. We charge a flat representation fee that’s a fraction of a typical agent commission — disclosed upfront after we review your property. If a traditional listing turns out to be your best path, we’ll tell you that and refer you to an agent.
How fast can you close?
Once we have a matched buyer, closing typically happens in 3–5 weeks. The longest piece is buyer due diligence on the property. If you’re in pre-foreclosure with a clock ticking, we can move faster — we’ve closed Subject-To deals in 14 days when the situation demanded it.
Will my credit be affected?
On a Subject-To sale, yes — the loan remains in your name, but the deed transfers to the buyer and the monthly payment is paid by them going forward. We use a servicing setup so the payments go through a third party, not directly to you, which protects both sides. On an owner-finance sale, the loan situation depends on whether you own the home free and clear or have an existing mortgage.
Not sure if Subject-To is right for you?
Submit your property for a confidential review. We’ll tell you straight.