Freedom From Your Mortgage
Connect with verified buyers ready to take over your existing financing subject-to existing terms, or acquire properties with ultra-low interest rates intact.
Take Over My Mortgage
Submit your property for review by our network. No agent commissions, and a takeover may provide another option depending on your property, loan, and goals.
No repair costs • 100% Confidential evaluation
Take Over The Payments
Acquire prime cash-flowing inventory with 2.5%–4% existing locked-in interest rates and zero bank qualifying.
Verified equity profiles • Nationwide access
Explore Active Listings
Join The Network To Get Our Updated List Of Properties And Opportunities.
Austin, TX - Metro Corridor
4 Beds • 3 Baths • 2,450 SqFt
Fixed 2.875% existing rate with low cash-to-close entry requirement. High-growth Austin rental corridor.
Phoenix, AZ - East Valley
3 Beds • 2 Baths • 1,820 SqFt
Attractive 3.125% principal payment structure with high rental yield in East Valley.
Tampa, FL - Hillsborough
4 Beds • 2.5 Baths • 2,180 SqFt
2.99% fixed loan in place; clean title with quick escrow readiness. High tenant demand.
Charlotte, NC - South End
3 Beds • 2.5 Baths • 1,960 SqFt
Favorable 3.25% fixed APR with seasoned monthly escrow payments.
Dallas, TX - North Metro
5 Beds • 3.5 Baths • 3,100 SqFt
2.75% locked Subto financing with high equity preservation buffer.
Nashville, TN - Metro Basin
4 Beds • 3 Baths • 2,620 SqFt
3.00% fixed interest with verified transfer documentation pack.
The Seamless Transfer
Transferring your property Subject To existing financing eliminates listing friction, agent fees, and loan origination delays in three straightforward steps.
Property Submission
Submit mortgage balance, monthly payment, and basic property specs in under 5 minutes. No staging, public open houses, or repair expenses required.
Network Matching
Our proprietary matching engine pairs your existing loan terms with verified investors who value the underlying interest rate, ensuring fast offer consensus.
Mortgage Takeover
Closing completes through a licensed title agency. The buyer contractually assumes all future monthly payments while title transfers smoothly.
100% Confidential · Direct Title Escrow · No Realtor Commissions
Designed For Both Sides
Whether you need immediate debt relief without paying agent commissions or you are an investor looking to take over low-rate leverage, our structured network protects both parties with institutional security.
Escape the Debt
A Subject-To transfer may give you relief from monthly payments without the 6% agent commissions or months-long wait for a buyer to qualify. Every situation differs — your existing loan remains in place until closing terms are met.
- Zero realtor commissions or closing fee deductions
- Potential debt-to-income relief through a loan takeover
- On-time servicing escrow may help protect your credit when payments are made as agreed
- Title transfer handled through a licensed title company or attorney at closing
Acquire with Leverage
Scale your residential real estate portfolio by taking over existing low-interest mortgages without bank underwriting, DTI limits, or traditional loan origination delays.
- Lock in grandfathered 2.5% to 4.0% fixed mortgage rates
- Bypass restrictive bank underwriting, W2 checks, and DTI caps
- Deploy minimal capital down compared to 25% commercial loans
- Receive pre-vetted deal packages with transparent equity spreads
Mortgage Advantage & Equity Protection Calculator
See exactly how much cash and equity you protect with a Subto takeover compared to paying traditional 6% realtor commissions and closing concessions.
Your Property & Mortgage Inputs
*Estimates for comparison only, based on typical 6% realtor commission plus closing costs. Actual settlement statements depend on final title escrow, deal terms, and market conditions. Figures are not a guarantee of savings or outcomes.
Zero commission deducted from your proceeds at closing.
How Subject-To Can Help
Become Our Next Success Story
"We were facing double mortgage payments after an unexpected job transfer to Atlanta. Subto Sell matched us with a qualified network buyer in under 72 hours who took over our 3.1% rate smoothly. The monthly stress was gone instantly."
Marcus & Elena Vance
Relocated for Work in 9 Days
"Managing an inherited home with ongoing property tax and mortgage bills was draining our savings. The takeover completed in less than two weeks with zero repairs, zero staging, and no agent commissions. Pure relief."
Sarah Jenkins
Inherited Family Estate
"When our rate adjusted higher, traditional listings were going to take 90+ days we simply did not have. Subto structured an immediate loan takeover that preserved our immaculate credit rating and gave us financial clarity."
David Morales
Protected Credit Score
"Traditional buyers kept demanding tens of thousands in cosmetic concessions. With this network, an approved buyer assumed the existing low-interest loan as-is within 11 days. The cleanest real estate deal I have ever done."
Liam Thornton
Downsized Without Hassle
Clarity on Subject To
Creative financing should never mean compromised security. Every transaction across our network is executed via licensed title companies with dedicated third-party loan servicing.
Join the Subto Network
Connect directly with verified Subject-To transactions. Choose your intent below to enter the dedicated automated pipeline.
Two Distinct Pathways
Whether offloading burdensome payments or acquiring locked-in sub-4% rates, our automated segmentation ensures the right workflow immediately routes your inquiry.
- Sellers: Property valuation, zero realtor fees, on-time servicing escrow that may help protect credit.
- Buyers: Real-time alerts for pre-underwritten takeover opportunities.
- Secure title escrow closing with automated closing pack redaction.
The verified marketplace for Subject-To mortgage takeovers and creative financing transactions. Connecting motivated sellers with qualified community investors nationwide.
Analyze Your Next Deal
Review the numbers before you move forward with your next property.