Yes. All transactions follow federal real estate and escrow regulations. The HUD-1 form includes provisions for Subject-To and Wrap transactions.

We help you document non-payment of mortgage obligations with third-party proof, allowing many lenders to exclude this from your DTI. After 12 months of payments, most lenders fully remove the debt from DTI calculations.

Once the deed transfers, we become fully responsible — you are completely off the hook.

Though extremely rare, we are prepared. We've never lost a home due to a due-on-sale issue. If invoked, we refinance, pay off the mortgage, or revert the property to the seller with no damage to their credit.