We run it the same way on every deal. We take care of the mortgage. You get your price and your timeline. Five closes to date. Six-day average from offer to deed. Every one closed in under a week.
We take title to your home. Your mortgage stays in place, in your name, untouched — same rate, same balance, same lender. From that day forward, we make every monthly payment, on time, through an independent third-party loan servicer that sends you written verification each month. Our payment guarantee is recorded at closing — if we ever miss, you foreclose on us, with the property itself as collateral.
This is called a subject-to existing mortgage takeover — Subject-To for short.
You tell us the address, the loan basics (lender, balance, rate), and the situation. We send a written offer within 24 to 48 hours. The number is typically full market value, because we take over the existing loan instead of writing a cash check.
At closing, the deed transfers from you to As Iz Homes. The closing happens at a licensed title company in your state. Your attorney is welcome on your side.
Same loan, same lender, same rate, same balance. Nothing about the loan changes. The lender continues to receive the same payment, on the same schedule — only the source of that payment changes from you to us.
A separate company we don't control receives our payments, sends them to the lender, and sends you written verification each month. You see the payment hit, in writing, on a paper trail that doesn't depend on us.
We have maintained a 100% on-time payment record across every deal we've closed. We commit contractually, in the closing documents, to keep every monthly payment current — and a separate third-party servicer sends you written verification each month.
A cash buyer must offer 60–70% of fair market value to make their math work. They are deploying capital — buying the home outright, holding it, fixing it, flipping it, paying interest the whole time. To recover that capital plus a profit, they need a deep discount on the front end.
We are not deploying capital. We don't write a check for the loan portion of the purchase. We take title and the existing mortgage stays in place, with us making the payments going forward. The cash-discount math doesn't apply to our business model.
Same outcome — the home is sold, you walk away. Different setup — and a meaningfully different number on the offer.
Most mortgages contain a due-on-sale clause. Here's the truth about it, without the workaround language.
It gives the lender the right (not the obligation) to call the loan due upon transfer of title. We don't pretend otherwise.
The mortgage industry has known about Subject-To and similar structures for decades. Title companies and real estate attorneys handle them routinely. Lenders rarely exercise the clause when a loan is current and the borrower's credit is intact. We say "rarely," not "never."
Every monthly payment, on time, every month, with monthly written verification from the third-party servicer. The commitment is written into the closing documents.
That is the structural truth of Subject-To, not a workaround. Because the loan stays in your name, you remain the borrower of record. We commit contractually to keep every payment current — backed by a third-party servicer who sends you written verification monthly. We don't pretend the legal picture is simpler than it is. That's exactly why you can trust the setup.
Every monthly mortgage payment routes through an independent third-party loan servicer — a separate company whose only job is to receive money from us, send it to the lender, and report. You receive written verification from the servicer every month, on a paper trail that doesn't depend on us. No guessing. No "trust me." If a payment ever doesn't hit, you find out from the servicer the same week — not from a missed-payment notice on your credit report months later.
Because the loan stays in your name and the payments continue on time, the on-time payment history continues to register on your credit report as a positive tradeline for as long as the loan is in place.
When a seller has substantial equity above the existing mortgage balance — for example, you owe $200,000 and the home is worth $350,000 — pure Subject-To leaves the equity stranded. In those cases, we layer a carryback note on top of the Subject-To. We take title Subject-To the existing mortgage, pay you a cash down payment at closing, and the remaining equity becomes a carryback note from you to us — typically a 5 to 7 year balloon, low or no interest. Two instruments, one transaction.
We don't promise to. The loan stays in place, as-is, until the property is sold again or the loan is paid off some other way. Earlier internal documents incorrectly listed a "refinance commitment" as a seller protection; we corrected that. Seller protection comes from the two named pieces above — third-party servicing and positive credit tradeline — not from a refinance promise we won't keep.
That isn't how Subject-To works. The honest answer is that the loan stays in your name; the protections are around the loan, not a promised exit from it. If you specifically want a buyer who will refinance into their own name or formally assume the loan, we are not the right fit and we'll say so.
Not "guaranteed top dollar," not "guaranteed stop foreclosure," not "guaranteed" anything. We name the structure and let the setup do the work.
We close on title and hold the property. We are not a wholesaler.
No commitment, no qualifying questions, no obligation. We run it the same way on every deal. The numbers depend on yours.