An Alternative
to Foreclosure.
A mortgage assumption allows a qualified buyer to take over an existing mortgage loan, stepping into the homeowner's position and continuing payments under the original loan terms. For homeowners facing foreclosure, this can be an alternative to losing the property at auction and suffering the full credit impact of a completed foreclosure.
Not all mortgage types are assumable — FHA, VA, and USDA loans are generally assumable with lender approval, while most conventional loans are not. Our team evaluates your loan type and connects you with qualified buyers from our investor network who specialize in assumption transactions.
If a foreclosure sale has already occurred, you may still be entitled to surplus funds from the auction. We handle both pre-foreclosure solutions and post-foreclosure recovery depending on where you are in the process.
We Evaluate Your Loan
We review your mortgage type, current balance, and loan terms to determine if assumption is a viable option for your situation.
We Connect You With a Buyer
If assumption is possible, we connect you with a qualified buyer from our network who is prepared to take over the loan and property.
Lender Approval Is Obtained
The buyer works with your lender to obtain formal assumption approval. Our team supports this process and coordinates all required documentation.
Transfer Is Completed
Once approved, the mortgage and title transfer to the new buyer. You are released from the obligation and avoid the foreclosure auction.
Facing Foreclosure?
Contact us before the sale date. We will evaluate your loan type, explain your options, and connect you with the right resources — whether that is a mortgage assumption, a cash offer, or post-sale surplus recovery.