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FAQS

Is this legal?

Yes, all transactions follow federal real estate and escrow regulations

with HUD-1 provisions for Subject-To and Wrap deals.

How does this affect my ability to get a new loan?

We document non-payment with third-party proof, helping lenders

exclude it from your DTI. After 12 months of payments, most lenders

remove the debt from calculations.

Who covers repairs and maintenance?

Once the deed transfers, we take full responsibility; you are completely

off the hook.

What if the lender calls the loan due (Due-on-Sale clause)?

Though rare, we are prepared. We refinance, pay off the mortgage, or

revert property to the seller without credit damage.

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