{"id":7234,"date":"2026-02-13T07:39:18","date_gmt":"2026-02-13T12:39:18","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=7234"},"modified":"2026-02-13T07:39:19","modified_gmt":"2026-02-13T12:39:19","slug":"risky-business-subject-to-mortgage-sales-leave-floridians-with-debt-and-no-deed","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/risky-business-subject-to-mortgage-sales-leave-floridians-with-debt-and-no-deed\/","title":{"rendered":"Risky Business: \u201cSubject to Mortgage\u201d Sales Leave Floridians With Debt and No Deed"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

In Jacksonville, News 4 just ran an I-Team investigation on homes being sold subject-to a mortgage. These so-called sub-to<\/em> deals are gambles, said the reporter.<\/p>\n\n\n\n

A sub-to real estate deal could be a valid method of selling your home in some situations. But this approach carries serious financial risks.<\/p>\n\n\n\n

Here, we look at how that risk plays out, as Jacksonville\u2019s TV viewers saw it.<\/p>\n\n\n\n\n\n\n\n

Sounds Like a Lifeline for Struggling Homeowners\u2026<\/h2>\n\n\n\n

That\u2019s how the newscasters began the segment. But the investigative team found this style of selling leaves the seller at the mercy of the professional buyers involved.<\/p>\n\n\n\n

In these deals, a buyer agrees to take ownership with the loan left on the home. The home\u2019s owner signs the deed<\/a> over to the buyer, who promises to take over the mortgage payments. But after handing the deed over, the now-former homeowner is still on the loan documents.<\/p>\n\n\n\n

And what if the buyers disappear after the agreement is signed and the deed is transferred?<\/p>\n\n\n\n

Then there is no one paying the mortgage company. The debt goes into default. And the home winds up in foreclosure. As you can imagine, the former deed holders will have a hard time getting a future mortgage with this default and foreclosure on their credit records.<\/p>\n\n\n\n

A Jacksonville-area real estate agent tipped off the investigative news team that this is exactly what\u2019s been going on. The agent had suggested subject-to-mortgage deals to help financially stressed-out clients sell their homes. The agent believed the arrangement could be supportive. But it wasn\u2019t.<\/p>\n\n\n\n

The news team decided to go out and explore the situation.<\/p>\n\n\n\n

One Company Behind a Rash of Bad Deals<\/h2>\n\n\n\n
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One investment group active in the Jacksonville area goes by the name BG. Its agents make contact with deed holders who owe more on their mortgages than their homes are worth. These agents present themselves as investor-buyers who will pay the mortgages off while renting out the properties they take over.<\/p>\n\n\n\n

It seems ordinary enough at the start. After all, it\u2019s not unusual for investment firms to seek out borrowers who\u2019ve fallen behind on their mortgage payments, or borrowers who are carrying out short sales<\/a>.<\/p>\n\n\n\n

At closing, the struggling homeowner will receive perhaps $2,000 and the relief of breaking free from their impossible financial bind. In sub-to deals, the investment firm is supposed to send money (whether to the seller or straight to the mortgage company). That\u2019s not how things are working out with BG, according to numerous customers.<\/p>\n\n\n\n

One couple of owners sold their home, moved out of state, and learned they were facing foreclosure on a home they sold to the investment company. Another deed holder, a recently retired service member in Panama City, is now suing BG, claiming the venture investment company fraudulently induced him to transfer a deed. According to the lawsuit cited in the News 4 investigation, BG allegedly made no payments after forking out the closing funds. The frustrated vet is still making the mortgage payments on a home that\u2019s been taken.<\/p>\n\n\n\n

What Happened to These Homes?<\/h2>\n\n\n\n

The news team spoke to these and other people who have signed their deeds over to BG. The investigative team found these people\u2019s homes listed on real estate sites as rental properties. That would come as no surprise to the people who signed their deeds over. In return for paying the mortgage, the company says, it\u2019ll rent out the home, room by room. It\u2019s called a pad split.<\/em> The company says it makes its profits by taking in higher rents than it will have to pay monthly on the mortgage.<\/p>\n\n\n\n

Oddly enough, the investment firm doesn\u2019t seem to be too keen to engage with potential renters, though.<\/p>\n\n\n\n

The news team noted the phone number on the listings. Reporters called, and got a recorded answer saying the call could not be completed. The team couldn\u2019t get a hold of anyone with the firm during the course of their investigation.<\/p>\n\n\n\n

One seller kept in touch with a former neighbor, and said no renters ever moved into the house.<\/p>\n\n\n\n

Tragically, many of BG\u2019s clients do not get their deeds back. Now, foreclosure filings reportedly connected with these homes are showing up in public court records.<\/p>\n\n\n\n

How Is Buying Subject to a Mortgage Different From Assuming the Mortgage?<\/h2>\n\n\n\n

A subject-to sale is not the same thing as an assumable mortgage. In a true mortgage assumption, the lender reviews and approves the buyer, and the buyer becomes legally responsible for the loan\u2014typically releasing the seller from liability. In a subject-to deal, by contrast, the loan usually remains in the original borrower\u2019s name. The buyer takes title to the property, but the seller stays legally obligated on the mortgage unless the lender formally agrees otherwise.<\/p>\n\n\n\n

Selling a home with a mortgage still on it can seem like a great escape route for a borrower who gets into a financial pickle. But it\u2019s done for other reasons, too. Some people do it to keep the existing mortgage going on a home they buy. If the mortgage can stay on the home even through the sale, then the buyer doesn\u2019t need to pay bank fees or take out a new loan at a higher interest rate.<\/p>\n\n\n\n

The existing lender might find this arrangement beneficial. It\u2019s good from a lender\u2019s perspective that a struggling homeowner could steer clear of a default.<\/p>\n\n\n\n

Or the opposite could be the case. A lender might (in this case, correctly) think that the agreement the homeowner wants to sign creates a new risk for the loan.<\/p>\n\n\n\n

A lender that\u2019s not on board could use the due-on-sale clause in the loan documents to demand that the borrower make a payment in full, immediately.<\/p>\n\n\n\n

In some sales that are subject to a mortgage, the parties don\u2019t say anything to the lender. The idea is that the lender will be fine, as long as the correct amount rolls in every month. The lender has no reason to care who\u2019s paying it.<\/p>\n\n\n\n

Usually, though, a lender does care. Why else would a due-on-sale clause exist? This is why a deed holder\u2019s best practice is to notify the mortgage company if a deed transfer is planned. If the lender agrees to the arrangement, there will be fees for examining the buyer\u2019s situation and going ahead with the approval. In practical terms, how likely is this to happen? Thinking about this matters. Doing this without a lawyer\u2019s opinion is a recipe for risk.<\/p>\n\n\n\n

A Word to the Wise: This Kind of Deal Is Legal But Risky<\/h2>\n\n\n\n

Selling a home to get out from under a mortgage can sometimes work. Particularly if your debt\u2019s somewhere around the home\u2019s value. And yes, it\u2019s legal. But if you\u2019re in heavy debt or you\u2019re not absolutely sure how the buyer will hold up their side of the agreement? There\u2019s obvious risk inherent in passing your debt to someone else to pay off.<\/p>\n\n\n\n

Important note: <\/em><\/strong>This discussion is not legal advice and it\u2019s not money advice. We offer it to you for general knowledge only. See a real estate attorney to check the deed transfer agreement and protect your interests\u2014before you actually need<\/em> an attorney.<\/p>\n\n\n\n

\n

Supporting References<\/strong><\/p>\n\n\n\n

I-Team on WJXT News 4 \u2013 The Local Station<\/em> (Jacksonville, Florida): Mortgage Gamble \u2013 Inside the Risky Real Estate Deals Leaving Sellers on the Hook<\/a> (posted Jan. 30, 2026, via YouTube<\/em>).<\/p>\n\n\n\n

Deeds.com<\/em>: What Is \u201cSubject-To\u201d Home Buying? AKA Taking Over the Mortgage Payments<\/a> (Dec. 18, 2023).<\/p>\n\n\n\n

And as linked.<\/p>\n\n\n\n

More on topics: Deed in lieu of foreclosure versus short sale<\/a>, Get another deed after bankruptcy<\/a>, Assumable mortgage loans<\/a>,\u00a0Contract for deed<\/a><\/p>\n\n\n\n

Photo credits: Bill Cobb, SkylineScenes.com<\/a>, via Wikimedia Commons, licensed under CC BY-SA 4.0 International<\/a>; and Kampus Production<\/a>, via Pexels\/Canva.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

In Jacksonville, News 4 just ran an I-Team investigation on homes being sold subject-to a mortgage. These so-called sub-to deals are gambles, said the reporter. A sub-to real estate deal could be a valid method of selling your home in some situations. But this approach carries serious financial risks. Here, we look at how that […]<\/p>\n","protected":false},"author":2,"featured_media":7235,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[72,57],"tags":[2775,3331,2342,3328,3330,3332,3329,146,3333,3336,3334,3335,3326,3327],"class_list":["post-7234","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-florida","category-mortgage","tag-deed-transfer-risks","tag-distressed-home-sales","tag-due-on-sale-clause-2","tag-florida-real-estate-law","tag-foreclosure-risk","tag-investment-property-scams","tag-jacksonville-real-estate-news","tag-mortgage-assumption","tag-pad-split-rentals","tag-real-estate-fraud-warning","tag-seller-liability","tag-sub-to-deals","tag-sub-to-real-estate","tag-subject-to-mortgage"],"yoast_head":"\nRisky Business: \u201cSubject to Mortgage\u201d Sales Leave Floridians With Debt and No Deed - Deeds.com<\/title>\n<meta name=\"description\" content=\"Florida homeowners are being left with debt and foreclosure after risky \u201csubject-to mortgage\u201d sales. 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