Subject-To
We purchase your property subject to the existing financing, taking over monthly mortgage payments via an independent third-party loan servicer.
How This Selling Option Works
In a Subject-To transaction, the legal deed and property ownership transfer to Terms Real Estate, while the existing low-interest mortgage remains in place. We assume contractual responsibility for making the monthly mortgage payments through an independent, licensed third-party loan servicing company.
Mortgage Verification & Terms Review
We verify existing loan terms (interest rate, monthly PITI, balance, and escrow account details).
Title Company Escrow & Deed Transfer
All documents are executed with full legal disclosures through a licensed title company with title insurance.
Third-Party Servicing & Ongoing Payments
Payments are routed through an independent loan servicer, ensuring principal, interest, taxes, and insurance are paid on time every month.
When It May Fit
- You have little to no equity, where selling with a traditional agent would require bringing cash to closing.
- You have an existing low fixed interest rate (2.5%–5%) that makes the monthly debt attractive to retain.
- You are behind on payments and facing default acceleration or scheduled sheriff sale.
- You need immediate payment relief and want your debt payments paid reliably on time.
Major Considerations
- The underlying mortgage remains under the seller's name until eventual refinancing or property resale.
- Timely payments made by our third-party servicer build positive payment history on the seller's credit profile.
- Full written disclosure of the lender's due-on-sale clause is provided and managed with legal protocols.
What Terms Real Estate Needs
To structure this transaction accurately and produce net numbers, our acquisitions desk requires basic property facts:
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Compare Other Selling Options
Not Sure — Compare My Options
Unsure which path fits best? We analyze your equity, timeline, and property condition side-by-side to identify your highest net return.
Traditional MLS Listing
List on the open market through licensed real estate agents when you have time, standard retail condition, and want maximum public exposure.
Direct Cash / As-Is Sale
A guaranteed direct cash purchase with private capital. No bank loan approvals, no appraisals, zero cleanout work, and closing in days.
Seller Financing
You act as the bank, receiving monthly principal and interest installment payments secured by a recorded mortgage or deed of trust.
Novation / Structured Retail Sale
We fund and coordinate value-add aesthetic renovations to achieve peak retail price on the MLS, while guaranteeing your target net equity.
Lease-Option
Lease the property to a vetted buyer with an agreed-upon purchase option, collecting steady monthly premium rent while locking in future sales proceeds.