Underwater on Your Mortgage? We Can Help.

We don't need you to have equity. We take over your existing mortgage payments through a legal process that transfers the property while the loan stays in place. You get relief from the payments, and we get a property we can rent or hold long-term. It's a win-win.

When we take over your mortgage, we make all the payments on time. As long as payments are current, your credit is not negatively impacted. This is far better than a foreclosure or short sale, which can damage your credit for 7+ years.

Technically, your name remains on the loan until it's paid off or refinanced. However, we sign a Hold Harmless Agreement that contractually obligates us to make all payments and indemnifies you against any default. We also provide proof of payment and maintain open communication.

We can often help, especially if foreclosure hasn't been filed yet. In many cases, we can catch up your back payments as part of the deal. The key is to reach out early—the sooner you contact us, the more options we have.

It's exactly what it sounds like—we give you cash at closing in exchange for the keys to the property. This money helps you relocate, put a deposit on a new place, or simply start fresh. The amount varies based on your situation, but we always try to put money in your pocket.

Absolutely. "Subject-to" transactions have been used in real estate for decades. We structure every deal with proper legal documentation, and we recommend you consult with your own attorney. Our process follows established real estate and trust law, including the federal Garn-St. Germain Act which governs these types of transfers.

We focus on Northeast Arkansas, including Jonesboro, Paragould, Trumann, Bay, Brookland, and all of Craighead County. If you're in this area and need help with your mortgage situation, we want to talk to you.