(203) 580-9980
Get My Free Offers
(203) 580-9980
Get My Free Offers
(203) 580-9980
Get My Free Offers

Sell Your House Subject-To: We Take Over Your Mortgage Payments

Owe close to what your house is worth, or behind on payments? Sell without bringing money to closing, and keep your low rate working for you.

  • No money out of pocket at closing
  • Every payment tracked by a third-party servicer
  • Closed by a Connecticut real estate attorney
Get My Free Offers
"They made the process simple and stress-free. We sold our house fast without doing any repairs." – Sarah L., Stamford CT

Get A No-Obligation All Cash Offer!

Contact Form
  • Property Details
  • Get Cash Offer
💰 Fast Cash Offers | ⚡ Close in 7-14 Days |  🏠 Buy As-Is

What "subject-to" means, in plain English

When you sell “subject to” your mortgage, you sign the house over to us, and your existing loan stays in place. Instead of paying it off at closing, we take over the monthly payments. You walk away without having to cover the gap between what you owe and what the house would sell for, and without paying an agent.

The loan stays in your name until it’s paid off or refinanced, so who you sell to matters. That’s why every payment runs through a licensed third-party servicer you can check anytime, and why we put every promise in writing with an attorney.

Is subject-to right for you?​

Good Fit if:

  • You owe close to, or more than, what the house is worth
  • You're behind on payments and want to avoid foreclosure
  • You have a low interest rate you'd lose by selling the normal way
  • You need to move soon and can't afford to list and wait

Probably not a fit if:

  • You have a lot of equity and want it all in cash now (see cash offer)
  • You need the loan off your record to qualify for a new mortgage soon
  • You're not comfortable with the loan staying in your name

How It Works

Tell us about your house and loan:

Balance, rate, monthly payment, and any missed payments.

Get a written offer:

We review your mortgage statement and explain exactly what you get and what we take on.

Attorneys review it:

We close at a Connecticut real estate attorney's office. The deed transfers to us; the loan stays in place.

We set up the servicer:

You get access to see every payment made on your loan.

You move on:

We handle the payments, taxes, insurance and repairs from closing day forward.

Subject-To Example

A Stamford home worth $600,000, with $560,000 left on a 3.25% mortgage and $15,000 of needed repairs:

Listing it: after 5% commission, repairs, closing and carrying costs, the seller would bring about $21,500 to closing.

Our cash offer: about $480,000, which wouldn’t cover the $560,000 loan.

Our subject-to offer: $600,000. We take over the loan and pay the closing costs, and the seller gets $5,000 in moving money and owes nothing at closing.

How You Are Protected

Third-party loan servicer:

A licensed company makes and records every payment, and you can see each one.

Attorney closing:

Everything is reviewed and closed by a Connecticut real estate attorney, and you're welcome to bring your own.

Recorded documents:

The sale and our obligations are written down and recorded, not handshake promises.

Insurance from day one:

The house is insured from closing, and you receive proof of coverage.

Default protection

e.g. a written right to take the house back if we miss payments, drafted by the attorney.

Wholesaler disclosure:

If a deal would go to a partner buyer, Connecticut law requires us to tell you in writing before you sign, and we do.

Subject-to vs. your other options

 A Stamford home worth $600,000, with $560,000 left on a 3.25% mortgage and $15,000 of needed repairs:

  • Listing it: after 5% commission, repairs, closing and carrying costs, the seller would bring about $21,500 to closing.

  • Our cash offer: about $480,000, which wouldn’t cover the $560,000 loan.

  • Our subject-to offer: $600,000. We take over the loan and pay the closing costs, and the seller gets $5,000 in moving money and owes nothing at closing.
Subject-to Cash offer List with an agent

Works if you owe close to what it’s worth
Yes
Usually not

Content

Money due from you at closing
None
Covers the loan only if you have equity
Commissions, repairs, closing costs

Time to close
14–30 days
7–14 days
60–120 days

Repairs and showings
None
None
Yes

Loan stays in your name
Yes, until paid off or refinanced
No
No

Recent deals

Lockwood Avenue, Stamford: a three-family that buyers with mortgages couldn’t close on

The problem: An older three-family with significant damage. It couldn’t pass the inspections lenders require, so buyers relying on traditional financing kept falling through. A tenant was still living there and didn’t want to move.

What we did: The listing agent reached out to us, and we made a cash offer on the property as-is, with the tenant in place. The seller didn’t have to make repairs or deal with the tenant situation. We took that on, including the legal process.

The result: We gut-remodeled both buildings and kept the property as a long-term rental: a 5-bed, 3-bath home and two 1-bed, 1-bath apartments.

Soundview Ave, Norwalk: an inherited two-family that was too expensive to bring back

The problem: In June 2025, a woman living in Florida called us about a Norwalk two-family she had inherited. Her family lived in the first-floor unit. The second floor had been gutted, its gas was disconnected, and no work had been done since. Bringing the house back would have cost far more than the family wanted to spend from a thousand miles away.

What we did: We agreed on terms, waited for probate to finish, and bought the house for cash. She didn’t have to fix anything or manage a renovation from out of state.

The result: An 11-month gut remodel: new roof, windows, siding, paving, HVAC, electrical, insulation, flooring, bathrooms and landscaping. A 4-bed, 2-bath house became a 6-bed, 3-bath home with two offices and basement storage. We kept it as a long-term rental.

Frequently Asked Questions

Yes. Buying a home subject to an existing mortgage is legal and is done with attorneys and recorded documents. 

Most mortgages let the lender call the loan due if the home is transferred. Lenders rarely do this when payments are current, but it’s a real risk, and we explain in writing how we’d handle it before you sign.

The loan stays on your credit report. On-time payments keep reporting as on-time, and you can watch every payment through the servicer.

e.g. notice and the right to take the house back.

Often, yes. We can bring the missed payments current at closing as part of the deal.

The loan counts as your debt, which can affect a new mortgage. Some lenders will exclude it if you show someone else makes the payments; ask your lender. We can resctructure the deal to make sure you qualify.

We do, from closing day forward.

Other Ways We Can Buy

Sell For Cash

Seller Financing

Lease Option

Nearby Areas We Buy In

Greenwich

Stamford

Norwalk

Also buying in: Darien, New Canaan, Westport, Wilton, Fairfield, Bridgeport, Stratford, Trumbull, Shelton, Milford, Danbury, Ridgefield, New Haven. Link each town as its page goes live; plain text until then.

See All Connecticut Areas

See If We Can Take Over Your Payments

Call Jhonny at (203) 580-9980 or fill out the form. We’ll review your loan and give you a written offer, free and with no obligation.

Get My Free Offers

&copy 2025, simplecashhomebuyers.com

Contact Form
  • Property Details
  • Get Cash Offer
💰 Fast Cash Offers | ⚡ Close in 7-14 Days |  🏠 Buy As-Is