A Practical, Powerful Option for Homeowners Who Need Relief QuicklyWhen homeowners feel stuck — behind on payments, facing foreclosure, dealing with repairs they can’t afford, or needing to move fast — one option that often provides real relief is a Subject-To (Sub-2) agreement. This strategy allows an investor like us to purchase your home while leaving your existing mortgage in place.
It’s a solution that has helped many San Antonio homeowners avoid foreclosure, protect their credit, and walk away with peace of mind. But like any option, it comes with benefits and risks, and it’s important to understand both sides.
This article breaks it all down in clear language.
A Sub-2 sale simply means the property transfers to a new buyer, but the existing mortgage stays in the seller’s name. The investor begins making the payments on your behalf, while you walk away from the burden.
Instead of paying off your mortgage at closing like a traditional sale, we take over the responsibility of the monthly payments, property taxes, and insurance.
It’s commonly used in San Antonio when:
• A homeowner is behind on payments
• There’s little to no equity
• A foreclosure date is approaching
• The property needs repairs
• The homeowner wants to avoid a credit hit
• Listing with a realtor isn’t realistic or fast enough
Subject-To can be one of the fastest and most flexible ways to sell a house. Here’s what makes it effective:
Your lender doesn’t need to approve a Sub-2 sale because the mortgage stays in place.
This is one of the biggest benefits. By taking over payments immediately, we can stop the foreclosure process, protect your credit, and prevent thousands in fees.
Even if you owe more than the house is worth, Sub-2 allows you to still sell without bringing money to the table.
We take the home completely as-is. Foundation issues, roof leaks, plumbing problems — they’re our responsibility after the sale.
For many homeowners, this is what makes Sub-2 possible.
A lot of the time, we pay:
• Past-due mortgage payments (arrears)
• Attorney fees or foreclosure fees
• Property repairs
• Cash to the seller at closing
• Moving or relocation assistance
This makes it possible for you to move forward without stress.
No showings, no cleaning, no repairs, no realtor fees — just a clean exit.
Even though Sub-2 is legal and used nationwide, it comes with risks you need to understand.
Until the mortgage is paid off or refinanced, it remains attached to you. This is why you must work with someone experienced, reputable, and financially capable.
If payments are made late, it could affect your credit. If payments aren’t made, you could technically go back into foreclosure.
This is why integrity matters. When we take over a home, we invest money upfront into arrears, repairs, and sometimes cash to the seller. The more we put in, the more motivation we have to protect the asset and pay your loan on time.
Most loans have a clause allowing the bank to call the loan due if ownership changes. While rare, it’s still a possibility, and we use strategies to minimize this risk.
Just like a cash sale, you trade some equity for convenience, speed, and a solution to your situation.
This is one of the biggest concerns sellers have — and it’s valid.Here’s the truth:
When we take over a home with Sub-2, we usually put thousands of dollars upfront into:
• Catching up missed payments
• Covering foreclosure fees
• Repairing the home
• Completing updates
• Giving the seller moving money
• Taking over taxes and insuranceWe would not risk that investment by defaulting. The best protection for you is working with someone who:
• Has the funds
• Has a track record
• Has a reputation for doing things right
• Invests enough into the deal so they’re motivated to perform
That’s why homeowners often feel comfortable with us — we walk them through the numbers, the risks, and the protections.
Sub-2 is typically a great fit if:
• You’re behind on payments
• You’re facing foreclosure
• You have little or no equity
• The home needs repairs you can’t afford
• You need a fast solution
• A traditional sale won’t work
• You want to avoid a credit hit
It’s not ideal if:
• You want top-dollar retail value
• You prefer a fully clean break from the mortgage
• You want to list with an agent and have time
• You’re not comfortable with the loan remaining in your name
We always walk you through all options — not just Sub-2 — because this has to be the right move for your situation.
A Subject-To agreement can be a lifesaver for many San Antonio homeowners who feel stuck. It offers speed, flexibility, and a real path out of a stressful situation like foreclosure or overwhelming repairs. But it also requires trust and transparency.
If you’re considering this option, the best next step is a conversation. No pressure, no obligation — just clarity.
210-570-4787