Walk Away From Your Mortgage. Keep Your Credit Intact.
Little to no equity? Can’t afford to sell? We can take over your mortgage payments, reinstate your loan, and give you a clean slate immediately.
North Carolina "Subject-To" Specialists
THE PROBLEM (The "No Equity" Trap)
If you bought your home recently, refinanced, or have fallen behind on payments, you might owe close to what the house is worth.
The Reality: If you try to sell with a realtor, you have to pay 6% commissions and closing costs. This means you would have to pay money out of pocket just to sell your house. Most people can’t afford that.
The FixitMoney Solution: We don’t need you to pay commissions. We don’t even need you to pay off the loan. We buy your property “Subject-To” the existing mortgage. This means the loan stays in your name for a while, but we take over the deed and the responsibility for the payments.
BENEFITS TO THE SELLER
Credit Repair
Since the loan is still in your name, every time we pay on time, your credit report shows “Paid as Agreed.” It rebuilds your score automatically.
Stops Foreclosure
We pay the arrears (back payments) at closing. This immediately reinstates the loan and cancels the auction.
Zero Closing Costs
You pay nothing. We pay the closing attorney, the recording fees, and the transfer taxes.
No Repairs
We buy the house As-Is. We take over the maintenance headaches immediately.
Agent vs. FixitMoney
| Line Item | Selling with Agent | FixitMoney Takeover |
|---|---|---|
| Sale Price | $250,000 | $240,000 (Loan Balance) |
| Mortgage Payoff | -$240,000 | (We take it over) |
| Commissions (6%) | -$15,000 | **$0** |
| Closing Costs (2%) | -$5,000 | **$0** |
| Final Result | You PAY $10,000 | You Pay NOTHING |
HOW IT WORKS
The Agreement
We agree on a price (usually the mortgage balance). We sign a Purchase Agreement just like a standard sale.
The Transfer
We close with a real estate attorney. The Deed is transferred to FixitMoney. You no longer own the house.
The Payments
The mortgage stays in place. We make the monthly payments directly to the lender. Your credit gets the benefit.
The Master-in-Equity is Scheduling Hearings Now.
Don’t wait for the court date. Let’s find a solution today.
Frequently Asked Questions
We believe in 100% transparency. Here are honest answers to the most common questions we get.
Is this legal?
Yes. Buying a property “Subject-To” the existing mortgage is a standard real estate transaction. We use a North Carolina real estate attorney to prepare the deed and handle the closing properly.
What about the "Due on Sale" clause?
Most mortgages have a clause allowing the bank to call the loan due if ownership transfers. While this is a risk, it is historically rare for banks to call a performing loan. We discuss this risk openly with you.
What if you stop paying?
We sign a performance deed or similar instrument. If we ever default, the property can revert back to you, usually in better condition than you left it. Your security is the property itself.