At Helping Hands Realty, our Flexible Financing Solutions are designed for homeowners who want maximum flexibility, better outcomes, and creative options when selling traditionally—or selling for cash—doesn’t make the most sense.
This option is ideal when there is an existing mortgage in place and the seller wants to avoid foreclosure, preserve credit, or move on without financial strain.
What Flexible Financing Looks Like With Us
Flexible financing (often called subject-to existing financing) allows us to step into a solution without requiring a new loan or bank approval.
Here’s how it works:
1. Review of Your Existing Mortgage
We start by reviewing your current loan terms—interest rate, balance, and monthly payment—to see if a structured solution makes sense.
2. We Take Over the Payment Responsibility
Instead of paying off the loan immediately, we structure an agreement where Helping Hands Realty becomes responsible for making the monthly payments—keeping the loan current and protecting your credit.
3. No New Loan. No Bank Approval.
Because the existing financing stays in place, there is no need for buyer financing, appraisals, or lender delays. This creates speed and certainty.
4. Relief Without a Fire Sale
This option can allow you to:
- Avoid foreclosure
-Stop late payments
-Walk away without needing a large cash discount
- Move forward while the loan remains current
5. Clear Agreements & Transparency
Everything is documented in writing. We explain the process step-by-step so you understand exactly what’s happening, how payments are handled, and what protections are in place.
When Flexible Financing Makes Sense
1. This solution is often a strong fit if you:
2. Are behind (or about to fall behind) on payments
3. Have little or no equity
4. Want to avoid foreclosure or damage to credit
5. Own a property you no longer want or can’t maintain
6. Need time, flexibility, or a non-traditional exit
Why Homeowners Trust Helping Hands Realty
1. Multiple solutions — not just one offer
2. Ethical, transparent structures
3. Local market knowledge
4. Clear communication and documentation
5. A focus on helping, not pressuring