Your seller gets list price.You keep your full commission.We close in a week.
We take over the existing mortgage. You hold the file, your seller walks away clean, and the commission is paid from our down payment at closing.
Last close: 6 days from offer to deed.
Banks say no. We say close Tuesday.
A traditional sale hinges on a bank approving a new buyer. With a subject-to existing mortgage takeover — Subject-To for short — we take the bank out. We buy the house and take over the existing mortgage payments, with the loan staying in the seller's name. Fewer moving parts, faster close, cleaner numbers.
Seller keeps a clean exit
We take over the mortgage payments. Seller walks away with cash at closing, no repairs, no showings, no financing contingency.
Loan stays on the books
The existing mortgage stays in place. We make every payment on time, which keeps — and often improves — the seller's credit.
Third-party payment verification
Every monthly payment routes through an independent loan servicer. The seller receives written verification each month on a paper trail that doesn't depend on us.
We work with agents and sellers — differently.
Stuck listing? Send the file.
Expired-listing risk or a seller who can't close traditionally — send the file and we'll send a written offer the same business day. Your seller gets list price. You keep your full 3% commission, paid from our down payment at closing. $0 due from your seller at the table.
Send a listing →
Behind on payments. Or just done with the house.
Underwater, relocating, divorcing, inheriting a property with a loan still on it, or just done with the house. We take title and take over the existing mortgage payments. You walk away with full market value, on your timeline, without a bank.
See the offer →Three steps. That's it.
Six-day average from offer to deed across our closes to date. No financing contingency, no appraisal, no bank in the room.
Submit or call
Agents submit a listing. Sellers share their address. We reply within one business day.
Deal math in writing
Purchase price, mortgage takeover, commission, seller cash at closing — every number itemized.
Close on your date
Reputable title company in your state. Third-party loan servicer sends written verification to seller each month. Keys trade, money wires.
Every number on the page.
Drop in a list price and mortgage balance. See the structure of our offer in real time — purchase price, loan takeover, agent commission, seller cash at closing. This is the same math we send to agents for every live deal.
Run the deal math live.
Four contracts that keep you in control.
Creative finance works because it's wrapped in structural protections. Here's what every As Iz deal includes — non-negotiable, in every closing packet.
Third-party loan servicing
A licensed servicer collects our payments and sends them to the seller's lender. Monthly written verification to the seller.
Positive credit tradeline
While we pay on time, the seller's credit keeps improving — exactly as if they were still paying.
Local title closing
Every deal closes at a reputable title company in your state. Every number on the HUD. No back-room signing.
Ready for a structured offer?
Share the address and your role (agent or owner). We'll come back within a business day with deal math in writing — no pressure, no obligation.
Reply in under a business day, always.
Get your cash offer
$0 fees · $0 commission · close on your date