Take Over Payments
We take over your mortgage payments. Walk away clean—even if you're behind or underwater.
Facing foreclosure? Time is critical.
This option can stop the foreclosure process and protect your credit. The sooner you reach out, the more options we have to help you.
Sometimes life throws curveballs—job loss, medical bills, divorce, or simply buying more house than you could afford. If you're struggling to make mortgage payments or facing foreclosure, a traditional sale might not be possible. That's where our Take Over Payments program comes in.
We assume responsibility for your mortgage payments, allowing you to walk away from a house that's become a burden. You transfer the property to us, we make the payments, and you get a fresh start. It's a creative solution that's helped hundreds of homeowners avoid foreclosure and protect their credit.
Who This Is For
This option works best if you:
- Are behind on mortgage payments or facing foreclosure
- Owe more than your house is worth (underwater)
- Have little to no equity and can't afford to sell traditionally
- Need to relocate but can't sell for what you owe
- Are going through divorce and need to dispose of the marital home
- Simply can't afford the payments anymore and need out
How Subject-To Works
You transfer the deed to us
Ownership of the property changes hands, but the mortgage stays in place.
We take over payments
We become responsible for making all future mortgage payments.
You walk away free
No more payments, no foreclosure, no damage to your credit from missed payments.
We renovate and resell (or rent)
When we sell or refinance later, your original mortgage gets paid off completely.
How This Protects You
Stops Foreclosure
Once we take over, we bring payments current and prevent foreclosure proceedings.
Protects Your Credit
Avoid the 7+ year credit damage from foreclosure. Our on-time payments help your score.
Written Guarantees
You receive contractual protections ensuring we'll make payments and maintain the property.
Payment Verification
We provide regular proof that payments are being made so you have peace of mind.
Full Release
When we eventually sell or refinance, your name comes completely off the mortgage.
Fresh Start
Walk away from a bad situation and begin rebuilding your financial life.
Take Over Payments vs. Alternatives
| Factor | Take Over Payments | Foreclosure | Short Sale |
|---|---|---|---|
| Credit impact | Minimal/Positive | Severe (7+ years) | Moderate (2-4 years) |
| Time to complete | 2-4 weeks | 3-6 months | 3-6 months |
| Cash at closing | Possible | ||
| Bank approval needed | N/A | Required | |
| Deficiency judgment risk | Yes | Sometimes | |
| Stress level | Low | Extreme | High |
Frequently Asked Questions
Why Homeowners Trust Best Path Homes
Transparency and integrity are at the core of everything we do.
Transparent Offer Calculations
We show you exactly how we calculate our offers—comparable sales, repair estimates, and our margin. No mystery numbers.
Our Written Guarantees
- No obligation to accept any offer
- No hidden fees or surprise deductions
- No pressure sales tactics
- No repair requirements
Local Partner Network
We work with trusted local professionals—real estate attorneys, title companies, property inspectors, and licensed contractors—to ensure smooth closings.
Options, Not Ultimatums
We may recommend options that don't benefit us directly—like listing with an agent—if it's truly the best path for your situation.
Stop the Stress. Get Help Today.
Every day you wait, your options narrow. Let's talk about how we can help you walk away clean.
Get Help Now