Does This Sound Like You?
If any of these match your situation, you may be a perfect candidate for our Subject-To program.
Listed for Months with No Real Offers
Your property has been on the market 60, 90, even 180+ days. The showings have slowed down and nothing is sticking.
Little to No Equity
After commissions, closing costs, and paying off the mortgage, a traditional sale means you owe money at closing — not the other way around.
A Good Interest Rate (5% or Below)
You locked in a rate when rates were low. That rate makes your property attractive to us — it's the key to making this deal work for both sides.
Current (or Close to Current) on Payments
You've been keeping up with the mortgage but need to move on — whether it's relocation, divorce, financial strain, or just life changing direction.
You Don't Want to Walk Away Broke
A price cut big enough to close the equity gap isn't an option. You need a path that doesn't require you to fund your own sale.
You Still Have an Agent — and They Need to Get Paid
You're under a listing agreement. We understand. We cover your agent's commission so they're compensated and you don't have to break any commitments.
Traditional Sale vs. Subject-To — Side by Side
See exactly what changes when Bradford Realty steps in with a Subject-To offer.
| Traditional Sale | Subject-To | |
|---|---|---|
| Agent Commission | You pay (5–6%) | We pay it |
| Closing Costs | You pay (2–4%) | We cover everything |
| Cash at Closing | You may owe money | Cash in your pocket |
| Time on Market | Months, no guarantee | Close in 14 days or less |
| Mortgage Payments | You keep paying until sold | We take over immediately |
| Repairs / Inspections | Buyer may demand repairs | We buy as-is, no repairs |
| Financing Contingencies | Deal can fall through | No contingencies |
How the Subject-To Process Works
Four simple steps. No stress. No surprise charges. No losing money at the table.
Tell Us About Your Property
Fill out the form or give us a call. We'll ask about your mortgage balance, interest rate, and monthly payment — that's what makes this deal possible.
We Structure Your Offer
In less than 24 hours, we present a customized offer. We lay out exactly how much cash you receive, what we cover, and what the closing process looks like.
We Handle the Paperwork
Our team coordinates everything with the title company. The deed transfers to us, we assume responsibility for the mortgage payments, and all your obligations end at closing.
You Close in 14 Days or Less — and Walk Away with Cash
At the closing table: your agent is paid, all costs are settled, and cash goes in your pocket. You don't lose a dollar. No more payments. No more showings. Done.
What We Guarantee You
These are not talking points — they're the terms of our offer, in writing, every time.
We Pay Your Agent
Your listing agent worked hard for you. We pay their commission in full — you don't break any agreements and they get compensated for their work.
We Cover All Closing Costs
Title fees, attorney fees, transfer taxes — we handle all of it. The amount we quote you is the amount that goes in your pocket, period.
Cash at the Closing Table
You leave with money in hand — not a thank-you handshake. We structure the offer so the numbers work in your favor, not just ours.
We Make the Payments
From the moment we close, the mortgage is our responsibility. We make every payment on time — protecting the loan record and keeping you clear of liability.
No Repairs. No Showings. No More Waiting.
As-is means as-is. No inspection lists, no repair credits, no open houses. You stop making payments the day we close.
Real People, Honest Answers
We're not a faceless hedge fund. We're local investors who explain every detail upfront. If your property doesn't qualify, we'll tell you — and point you toward what might work better.
Frequently Asked Questions
We get it — this isn't a conventional sale. Here are the questions we hear most often, answered plainly.
What does "Subject-To" actually mean?
Is this legal?
What if you stop making my mortgage payments?
What do you get out of this?
Do I need a certain interest rate to qualify?
My agent is still under contract — is that a problem?
Get Your Subject-To Offer
Fill out the form below. No pressure, no obligation — just a straightforward conversation about your options.
Prefer to Talk?
We're real people, not a call center. Reach out anytime — we'll give you a straight answer.
770-508-8859 info@realtybybradford.comWhat Happens Next?
After you submit, here's exactly what to expect:
- 1 We review your property and mortgage details
- 2 We call you in less than 24 hours — no pressure, just facts
- 3 If it's a fit, we present your customized offer in writing
- 4 You decide — zero obligation either way
We Buy Nationwide
Subject-To acquisitions across the U.S.