How a payment takeover works, from first call to closing
No pressure and no rushing. Here's every step, how long it usually takes, and what you'll need.
- 1
First conversation
About 15 minutes on the phone
We'll ask about the house, your loan, and what you need. You can ask us anything. If it's clearly not a fit, we'll tell you right then.
- 2
Document check
A few days
With your OK, we review your mortgage statement, a reinstatement or payoff quote if you're behind, HOA details, property taxes, and insurance. This tells us whether the numbers work.
- 3
Home visit or photos
Usually one visit
We look at the condition of the house, in person or through photos and video. You don't need to clean or fix anything.
- 4
Written offer and plan
Typically within a few days of the visit
You get the price, any cash to you, and the full plan for payments, insurance, taxes, and what happens if a payment is ever late, all in writing.
- 5
Your review
As long as you need
Take it to your attorney. Ask questions. There's no deadline pressure from us.
- 6
Closing
On the date we agree to
A licensed Florida title company or attorney searches the title, handles the documents, and records the deed with the county. Then the payment setup starts, and you can check every payment.
What to have handy
- Your latest mortgage statement
- Names of everyone on the deed
- HOA info, if you have one
- Your homeowner's insurance policy
- Any foreclosure or court papers
- A sense of the house's condition
We'll never ask for your online banking or mortgage login.
Typical timing
Most closings take 2–5 weeks, depending on title and paperwork. If there are liens, an estate, or several owners, it can take longer. We'll give you a realistic date in writing.
Let's see if taking over your payments makes sense.
Share a few numbers. If it fits, we'll explain the plan. If it doesn't, we'll tell you what might work better.
See if your house is a fit
Takes about 2 minutes. No cost and no obligation. You'll talk to a real person, not a robot.
Step 1 of 2: Your house