The questions a responsible buyer should want you to ask.

It describes a possible sale in which existing financing stays connected to the property while title transfers under written terms. It is not automatically a lender-approved assumption. The exact structure, continuing borrower liability, servicing plan, and risks must be disclosed before closing.

Not necessarily. Only the lender can approve an assumption or release a borrower from liability. If the lender does not do that, the existing loan may remain in the seller’s name even after title transfers. See our important disclosures.

A mortgage may contain a due-on-sale clause that lets the lender demand payoff after certain transfers. Federal law defines and generally permits enforcement of these clauses, subject to specified exceptions. Every seller should review the note, deed of trust or mortgage, and proposed structure with independent counsel.

That depends on equity, arrears, repair needs, closing costs, the loan terms, and the agreed structure. Some qualifying sellers receive cash; others prioritize stopping a payment, avoiding repairs, or getting a clean timeline. No amount is promised before underwriting.

Arrears do not automatically disqualify a property. We need the current reinstatement or payoff information, deadline notices, and total monthly obligation. If a foreclosure deadline is close, contact the servicer and independent legal or housing-counseling resources immediately; a website inquiry does not stop any deadline.

No. There is no charge or obligation to submit a property. If a transaction moves forward, the written agreement and closing statement identify any costs before you sign.

We prioritize 100 major U.S. markets and evaluate other locations case by case. Work may be handled directly or with a local acquisition or closing partner. We do not claim to maintain a local office in every listed market.

No. A formal assumption generally requires the creditor to accept the new borrower under its rules. The Consumer Financial Protection Bureau notes that assumability depends on the loan and lender conditions. Taking title subject to a loan is a different structure.

It is a loan-contract provision that may let a lender demand the secured debt after a sale or transfer without required consent. 12 U.S.C. § 1701j-3 defines these clauses, generally permits their enforcement, and lists certain protected transfers. A normal investor purchase should not be represented as automatically exempt.

The proposed documents should identify a servicing and reporting process. Depending on the transaction, this may include third-party servicing, direct proof of payment, account-status notices, reserves, and defined remedies. Never rely only on an unwritten promise.

The closing team must review escrow, tax status, carrier requirements, named insureds and interests, premium changes, occupancy, and responsibility for future payments. A deed transfer can affect insurance; coverage should be confirmed rather than assumed.

No unsupported future payoff or refinance promise should be treated as guaranteed. Any target or obligation must be precisely written, supported by the transaction, and reviewed by your advisers. Market conditions and financing availability can change.

Disclose every known obligation. Some liens may need to be paid, brought current, subordinated, or otherwise resolved at closing. The title and underwriting review determines whether a workable path exists.

Possibly, after the right people have legal authority to sell and title requirements are satisfied. Probate and estate rules are state-specific, so the personal representative or heirs should work with qualified counsel.

Requirements vary by state and transaction. Regardless of whether counsel is mandatory, we encourage sellers to obtain independent legal, tax, insurance, and financial advice—especially when an existing mortgage may remain in the seller’s name.

No. We are real estate investors reviewing possible property acquisitions. We do not originate loans, service your current mortgage, modify loans, provide foreclosure-rescue legal services, or promise lender approval.

No. A submission is a request for review, not an offer or approval. We may decline based on payment economics, loan terms, condition, title, location, insurance, seller needs, law, partner availability, or other risk.