Sell Your House with Subject-To Financing in Florida

What Is Subject-To?

“Subject-To” (often called “SubTo”) is a way to sell your house where:

• The title (ownership) transfers to me (or my company).
• The mortgage stays in your name — but I make the payments every month.

Think of it like this: you’re no longer responsible for the property, but the existing loan remains open, and I handle it from there.

This option is especially useful if:

• You have a low interest rate (2–4%) that shouldn’t be wasted.
• You want to sell at your price, but traditional buyers with bank financing can’t make the numbers work.
• You need to relieve yourself of the monthly payment quickly, without waiting for a retail buyer.
• You’re facing foreclosure, divorce, or job relocation, and need a simple solution.

Why Do Sellers Choose Subject-To?

• Keep your asking price — no need for huge discounts like in cash offers.
• Relief from monthly payments — you stop the stress of writing checks to the bank.
• No repairs or updates required — I buy the home as-is.
• No commissions or closing costs — I cover those.
• Flexibility — you pick the timeline and conditions that work for you.

How the Subject-To Process Works

1. Tell us about your property

Quick conversation or form — we review your situation, mortgage details, and goals.

2. Walk-through & review

I meet you at the property (or do a virtual walk-through) to evaluate condition and confirm details.

3. We agree on terms

• The loan stays in your name.
• The title transfers to me.
• I take over monthly payments directly through a licensed servicing company.

4. Closing at a title company

All paperwork is done through a licensed Florida title company or attorney. You can also bring your own attorney for review.

5. Peace of mind

• Payments are handled by a third-party servicing company.
• You can have online access or monthly alerts to track every payment.
• Optional protections like a Performance Deed or Reversion Clause give you added security.

What If Payments Aren’t Made?

This is a fair question — and here’s how we protect you:

• The loan is still in your name, so you would be notified by the bank immediately.
• We can use a Performance Deed or Reversion Clause that allows the property to quickly revert back to you without foreclosure.
• Payments are made through a licensed loan servicing company so you always see they’re on time.
• I’ve never missed a payment, but I take your protection seriously.

Common Questions About Subject-To

Will this hurt my credit?
No — as long as payments are made on time, your credit stays intact (and often improves if you were behind).

Can I still qualify for another mortgage?
Yes. In most cases, lenders will count this loan as “paid by others” once we provide documentation of 3–6 months of third-party payment history. Sometimes, even before closing, we can sign a lease agreement you can show your lender.

Does this trigger the “due-on-sale” clause?
Technically, yes — any transfer of title could. But in practice, banks rarely enforce it if payments are current. We also use strategies (like land trusts) that add an extra layer of protection.

Do I need to pay anything at closing?
No. I cover all closing costs. You may only need to settle any unpaid property taxes, liens, or HOA fees.

What if my home needs major repairs?
Doesn’t matter. We buy as-is, whether it’s move-in ready or needs full renovation.

Benefits of Selling Subject-To

• You walk away from the stress of mortgage payments.
• You protect your credit and avoid foreclosure.
• You get more flexibility than with a cash sale.
• You often keep your full asking price.
• You know the deal is handled legally and transparently with a licensed title company.

Ready to Explore Subject-To?

If you’d like to see if Subject-To is right for you, let’s talk. I’ll personally review your situation, explain every option, and show you exactly how it works — line by line, no surprises.