You can keep listing, rent the house out, or sell it to a buyer who takes over your mortgage payments. A subject-to sale with Golden Path Homes transfers the deed at a title company, we make the payments through a third-party servicer, and you move without carrying two housing payments or managing tenants from far away.
Usually it is one of three things: the price a buyer will pay does not clear the loan plus commissions and closing costs, buyers in your area cannot get financing at today's rates, or the house needs work that a lender will not finance. Dropping the price helps only if you have equity to give up. When you do not, the house sits while you pay for it from your new city.
| Option | Good when | The catch |
|---|---|---|
| Keep listing | You have equity and time | Two housing payments until it sells |
| Rent it out | Rent covers the payment with room to spare | Repairs, vacancies and tenants from far away |
| Subject-to sale | Little equity or no time | The loan stays in your name until it is paid off |
The closing happens at a title company, and you can sign remotely or with a mobile notary from wherever you live now. The deed transfers to us and is recorded with the county. We make the monthly payment on your existing loan through a third-party loan servicer, so you can check every payment from your new home. You pay no commission, and we buy as is, so you do not need to fly back to fix anything. What a subject-to sale is explains each step.
The loan stays in your name until it is paid off or refinanced, so it still shows on your credit and can affect your next mortgage application. Most mortgages also have a due-on-sale clause that lets the lender call the loan when the house transfers. Both belong in the conversation and the written agreement before you sign. If those trade-offs work for you, we can close in as little as 14 days. Start at our sell page.
Tell our team about the house and the loan. No commissions, no repairs, and a closing in as little as 14 days.
Yes. Vacant houses are common in these sales, and we buy as is.
Yes. Existing leases can transfer with the house.
No. Title companies can arrange a remote or mobile signing.