Make things easy +
Sell your home Subject To

✂️  Cut the Red Tape and Close Without Contingencies! 🏡

Selling to us versus traditionally

Selling traditionally works for many, but selling Subject-To has some great advantages. In most cases, you walk away with more equity, avoid contingencies that slow things down, and enjoy a smoother, hassle-free process. It’s a smart, efficient way to sell—without the usual headaches that listing on market brings!

Selling Traditionally to a Homestead Buyer

Selling your home the traditional way often means months of uncertainty, costly repairs, agent commissions, and the risk of deals falling through due to financing issues.

Even if you find a buyer, inspections, appraisals, and lender delays can drag out the process, leaving you stuck in limbo. If you need a faster, more flexible solution, the traditional route may not be ideal.

Selling to Us Subject-To

A Subject-To sale offers a simple, hassle-free alternative where you can sell your home quickly without waiting on banks or buyers.

Whether you're looking to move, free up finances, or just want a smoother transaction, we take over the payments immediately—protecting your credit and eliminating the burden of selling. No agent fees, no repairs, and no stress—just a seamless, guaranteed solution that works for any seller, not just those in distress.

We cut the red tape away

Reviewing a formal offer from us to buy your home Subject-To is a quick and straightforward 3-step process. In most cases, we can provide you with an offer the same day, giving you the opportunity to review the details and decide if it’s the right fit for you—without any pressure or obligation.

Expertise

No Formal Inspection

Unlike traditional buyers who bring in inspectors to nitpick every detail and negotiate repairs, we keep things simple.

The only walkthrough we do during our option period is a quick visit from our funding partner to confirm the home matches its MLS description—no lengthy inspections, no repair demands, and no last-minute renegotiations.

We’re in and out fast, making the process smooth and stress-free for you.

no appraisal needed

Unlike traditional sales that rely on appraisals—where banks can undervalue the home and derail the deal—we don’t require an appraisal at all.

This removes a major contingency, eliminating the risk of delays, price reductions, or failed financing.

By skipping the appraisal process, we keep everything smooth, fast, and hassle-free, ensuring a seamless closing without the usual headaches.

Choosing

no repairs needed

We buy your home 100% as-is, meaning no repairs, no updates, and no cleaning required.

Unlike traditional buyers who demand fixes after inspections or try to renegotiate halfway through the deal, we never come back asking for more. You won’t have to spend time or money on costly repairs, deal with contractor delays, or worry about last-minute surprises.

Our process is straightforward and hassle-free, so you can move on with certainty and peace of mind.

Get a same day offer in 3 steps

✍ PROPERTY UNDERWRITE

To ensure we can properly take over your mortgage Subject-To, we require the most recent mortgage statement, escrow details, and any UCC liens attached to the home.

This step is critical in our due diligence process, allowing our dedicated mortgage underwriter to thoroughly review your loan and structure an offer that is legitimate, accurate, and built to close.

Unlike other investors who make blind offers only to change terms later, we take the time upfront to verify everything—but we don’t waste your time. In most cases, we can have an offer back the same day, so you can make a quick, informed decision in a market where waiting days could cost you better opportunities.

Our goal is to provide a real, reliable, and fast solution so you can move forward with confidence.



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🤔 REVIEW OUR OFFER

Once we review your property details, mortgage statement, and any attached liens, we will send you a fully transparent, detailed offer breakdown via email.

We believe in showing our work—so you understand exactly how we arrived at our numbers and why our offer is extremely fair compared to selling on the traditional market. Our goal isn’t just to make an offer, but to ensur you feel fully informed and confident in your decision.

In this email, you will also receive an executed purchase agreement from our company, ready for you to sign if you choose to move forward. We know that time is of the essence, so instead of leaving you waiting on vague emails, we provide a real, actionable contract—allowing you to move forward quickly and with certainty.




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🔐 CLOSE IN 30 DAYS OR LESS

Once you accept our offer, sign the contract, and send it back, we will immediately open escrow and begin the title search process.

During this time, we will also schedule a quick walkthrough of the home to confirm everything matches as expected.

We typically aim to close within 30 days to give homeowners the flexibility they need—ensuring you don’t feel rushed to move out. However, if the home is vacant and you need or want a faster closing, we can finalize the deal as soon as the title search clears. On the other hand, if you need extra time before closing, we can also accommodate a longer timeline to fit your situation.

Our goal is to make the process smooth, stress-free, and tailored to your needs.

WUNDER REAL ESTATE LLC

CLICK HERE TO MEET THE TEAM

A Note from our founder

I’m Brandon Wunder, founder of Wunder Real Estate LLC, and I built this company with one core mission: to provide homeowners with a smarter, hassle-free alternative to selling on the traditional market—without sacrificing the financial benefits.

My background as a licensed Mortgage Loan Originator (MLO) in 15 states has given me deep insight into how real estate financing truly works beyond what most buyers, agents, and even sellers understand. I’ve spent years specializing in non-QM loan programs and penalty box buyer solutions, helping individuals secure financing when traditional banks wouldn’t approve them. Through this experience, I recognized a major gap in the real estate market—sellers needed better options, and buyers needed creative solutions. That’s why I created Wunder Real Estate LLC, to bring both sides together and provide flexible, win-win solutions that traditional home sales simply can’t offer.

When you work with us, you’re not just getting an offer—you’re getting a transparent, professional, and well-structured deal backed by real expertise. Unlike many investors who throw out random offers only to change the terms later, we take the time upfront to evaluate your property, mortgage details, and financial position to ensure our offer is legitimate, fair, and built to close. We believe in clear communication, zero pressure, and a process that puts your needs first.

Whether you're looking for a fast, hassle-free closing, need time to move, or simply want to explore a better way to sell your home, we’re here to help. We look forward to earning your trust and showing you how easy and beneficial selling your home can truly be.

our service is 5 stars

I needed to sell my house quickly, but I was terrified that letting someone take over my mortgage would wreck my credit. Matt and his team explained exactly how they protect sellers—they even set up a third-party payment servicing company so I could track my mortgage being paid on time.

I closed in less than a month, my credit is still in great shape, and I no longer have the financial stress of the house. I highly recommend Wunder Real Estate if you want a real solution with real protections in place.

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Sarah L.

Atlanta, GA | June 3rd, 2024

I had always heard that banks wouldn’t allow a Subject-To sale because of the due-on-sale clause. I thought if my lender found out, they’d immediately call the loan due.

After talking to Jason, he explained that as long as the mortgage was paid on time, lenders had no reason to act on that clause. It turns out, banks care more about getting paid than who owns the house. I went ahead with the sale, and it was the best decision I made. My house is sold, and I didn't have to deal with a long, frustrating listing process!

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Melissa R.

Charlotte, NC | January 24th, 2023

I wasn’t behind on my mortgage, I wasn’t facing foreclosure—I just needed to relocate for work. I thought Subject-To was only for people in bad financial situations, so I assumed it wouldn’t work for me. But John explained that it’s actually a great option for anyone who wants a fast, hassle-free sale while avoiding agent commissions and months of uncertainty.

I accepted their offer, and they let me pick my move-out date, making the transition incredibly smooth. I saved thousands of dollars compared to selling traditionally, and I would absolutely do it again.

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Brian J.

Phoenix, AZ | February 1st, 2025

I had UCC liens on my home and thought there was no way an investor would touch it. I figured my only option was paying them off before selling, which I couldn’t afford. But Ken and his team explained that they had experience handling properties with liens and could work through the title process to clear everything up.

They took care of all the paperwork and worked directly with the title company to make sure everything was handled properly. I never thought I’d be able to sell my home so easily, but they made it happen.

If you’re in a complicated situation, don’t assume you’re stuck—these guys know what they’re doing!

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Michael G.

Orlando, FL | March 8th, 2022

I was worried that since the mortgage was staying in my name, it would affect my ability to buy another home in the future. I didn’t want to sell only to find out I couldn’t qualify for a new loan because my old one was still on my credit

John explained how lenders view Subject-To transactions and how I could still qualify for a new mortgage by showing that my old one was being paid by the new buyer. He walked me through exactly how to present it to lenders, and I was able to get approved for a new home without any issues. It was a relief to know I could move on without financial setbacks.

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Christopher L.

Austin, TX | September 18, 2022

I assumed Subject-To only worked for people who were in foreclosure or desperate to get rid of their home, and that wasn’t my situation at all. I had equity in my home and just wanted to sell quickly without dealing with showings, negotiations, and agent commissions. But I figured I wouldn’t qualify since I wasn’t in a financial crisis. When I spoke with John, he explained that Subject-To works for all kinds of sellers, not just those in distress.

It turned out to be the best decision because I was able to move on quickly and keep more money in my pocket without paying out a ton of fees. The whole process was smooth and professional, and now I tell anyone I know who is thinking about selling to consider this option first.

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Maria R.

Tampa, FL | December 7, 2023

I didn’t think it would be possible to sell my home and close on a timeline that worked for me. I needed more than 30 days to move but also didn’t want to wait six months on the market. I felt like I had no good options.

Jason was completely flexible. They let me set my closing date and even offered to extend it if I needed more time. It made my transition so much easier, and I didn’t feel rushed or pressured to move before I was ready. That level of accommodation is rare, and I’m grateful for it.

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Heather K.

Chicago, IL | November 9, 2024

I didn’t think I could sell my home because I had back taxes owed on it. Every agent I spoke to told me I needed to pay them off first before I could even list it. But I didn’t have that kind of money sitting around, so I felt stuck.

When I talked to Brandon, he told me they could still buy my home Subject-To and work out a way to handle the back taxes as part of the deal. They took care of everything on the title side, and I was able to sell without having to come out of pocket for thousands of dollars. It was a huge relief.

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Antonio S.

San Diego, CA | March 15, 2023

I didn’t want to sell my home only to have the new owner come back and try to renegotiate after we had already agreed on a price. I had heard horror stories about buyers doing inspections, then demanding repairs or price reductions right before closing. That was a big concern for me.

Toni doesn’t play games like that. They don’t require a traditional home inspection or appraisal, and they don’t nickel and dime sellers after making an offer. The number they gave me upfront was the same number when we closed, no surprises. I really appreciated their honesty and professionalism throughout the process.

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Lauren D.

Raleigh, NC | June 28, 2024

I assumed that selling Subject-To would be complicated and take longer than a regular sale. I didn’t want to be stuck in some drawn-out process waiting on paperwork and approvals. I needed to sell fast but also wanted to make sure it was done right. Matt assured me that their process was streamlined, and he wasn’t lying.

They handled everything, from title to escrow to contracts, and kept me updated every step of the way. We closed in less than 30 days, and I didn’t have to deal with endless back-and-forth negotiations like I would have with a traditional sale. It was quick, painless, and exactly what I needed.

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Mark G.

Salt Lake City, UT | October 3, 2022

I thought this was just another “we buy houses” scam and that they were going to lowball me or try to take advantage of my situation. I get calls all the time from investors offering cash for my home, and I usually ignore them because I assume they’re all the same. But when I actually sat down and talked with Ken, I realized pretty quickly that he was different.

He didn’t try to rush me into anything or make an offer that didn’t make sense. Instead, he actually took the time to show me how they came up with their numbers, what my options were, and why this could be a great solution. I never felt pressured, and when we closed, it was exactly what they promised. If you’re skeptical like I was, just have a conversation with them. It could save you a lot of time and stress.

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Jessica P.

Nashville, TN | January 22, 2025

I was concerned about my lender finding out and calling the loan due because of the due-on-sale clause. I had read about it online, and it seemed like a huge risk. The last thing I wanted was to be stuck dealing with my bank demanding full payment after I had already sold my house. Bailey explained how lenders rarely enforce the due-on-sale clause as long as payments continue being made on time. It made sense—banks don’t want to foreclose if they’re still getting paid. They just want their money.

That reassurance, along with the contract protections they put in place, gave me confidence to move forward. It’s been months now, and everything has gone exactly as they said it would.

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Trevor H.

Portland, OR | May 14, 2024

I was convinced that selling Subject-To would mean I was stuck on the mortgage forever and had no way of protecting myself if something went wrong. I didn’t want to be in a situation where I had sold my house, but the mortgage was still in my name with no control over it. That just sounded way too risky for me. But Jason broke everything down and explained how they set up third-party servicing to ensure payments are always made. They even structured the deal in a way that I could see the payments happening in real-time.

Once I understood that my credit would actually stay protected and that I wasn’t just blindly trusting someone, I felt comfortable moving forward. Everything they promised, they delivered on. My home is sold, I have peace of mind, and I didn’t have to go through months of stress trying to sell on the open market.

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Jackson M.

Dallas, TX | August 19, 2024

I was hesitant to even have a conversation about Subject-To because I had never heard of it before and figured it was some kind of loophole or scam. I had always been told that if I wanted to sell, I had to go the traditional route with an agent, showings, and a long process. But after speaking with Brandon and his team, they took the time to explain everything in a way that made sense.

They weren’t pushy, they weren’t making wild promises, they were just upfront about how it worked and why it could be a great option for me. Once I saw the offer they sent, it all clicked. I realized I wouldn’t have to deal with realtor commissions, home repairs, or sitting on the market waiting for a buyer. They handled everything from start to finish, and we closed in just a few weeks. If I had ignored them, I’d still be stuck dealing with open houses and lowball offers. I’m so glad I took the time to hear them out.

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Sarah M.

Los Angeles, CA | March 3, 2025

I was ready to sell my house but didn’t want to deal with the long process of listing with an agent, showing my home over and over, and then waiting months for the right buyer. I figured my only real option was going the traditional route, but a friend of mine mentioned Subject-To and suggested I reach out to Brandon’s team.

At first, I didn’t understand how it worked, but once they walked me through the process, it made total sense. They took over the payments, covered all the closing costs, and let me move out on my own timeline. I avoided thousands in agent fees, and the deal closed without any hassle. I was skeptical at first, but looking back, this was the best decision I could’ve made.

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David S.

Phoenix, AZ | February 10, 2025

I thought there was no way I could sell my home without making all the expensive repairs my agent told me were necessary. The idea of spending thousands on fixing things just to put it on the market was overwhelming. Then I found out about Subject-To and reached out to Jason’s team.

They explained that I didn’t have to do any repairs at all. They took the home exactly as it was, with no contingencies or last-minute renegotiations. I didn’t have to stress about dealing with contractors or sinking money into fixing things just to sell. The process was smooth, straightforward, and honestly a relief. If you’re dreading making repairs before selling, talk to these guys first.

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Monica R.

Miami, FL | April 27, 2023

I had tried selling my home the traditional way and kept running into financing issues with buyers. I had two deals fall through because of lender delays and last-minute problems with appraisals. After wasting months on the market, I was frustrated and just wanted to be done.

A buddy told me about Subject-To, and I was hesitant, but I gave John a call. He explained that since they weren’t using a bank for financing, there were no appraisal requirements or lender headaches. Once I signed the contract, I knew it was a done deal. We closed in just a few weeks, and I was finally able to move forward without the stress.

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Jonathan K.

Denver, CO | August 15, 2024

I had inherited a house that I didn’t really want, but I didn’t want to sell it traditionally because I knew it would take forever, and I didn’t want to deal with the hassle. I thought my only option was to list it, but then I heard about Subject-To.

Ken and his team made everything so simple. They didn’t require an appraisal, inspections, or anything that would slow the process down. They took the home exactly as it was, and I didn’t have to worry about spending months dealing with showings or negotiations. It was a quick, stress-free process, and I was able to move on without any headaches.

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Ethan P.

Indianapolis, IN | July 2, 2024
  • Vague, Changing Offers

    Many investors throw out a high number just to get a contract, only to lower it later after inspections or "unexpected" fees.

  • Inspection AND Repair Demands

    Most investors will demand repairs or lower their offer after an inspection, leaving you frustrated and stuck.

  • Uncertain Closings & Canceled Contracts

    Many buyers back out at the last minute due to financing issues, failed appraisals, or changing their mind.

  • Fully Transparent, Detailed Offers

    We break down exactly how we arrive at our numbers so you understand every detail before signing. No vague offers, no surprises.

  • No Inspections, No Repairs, No Renegotiations

    We buy your home exactly as it is, with no hidden conditions or last-minute price drops.

  • Guaranteed Closing With No Appraisals or Financing Delays

    Since we don’t rely on banks or appraisals, we close within 30 days or on your timeline.

Your questions, answered

Is selling my home Subject-To legal?

Yes! Subject-To transactions are 100% legal when properly structured. The seller willingly transfers the deed while the mortgage stays in their name. This is a common strategy used by real estate investors and is completely allowed as long as disclosures are made.

What happens to my existing mortgage?

Your mortgage remains in place, but we take over the payments. You don’t have to worry about making another payment—we handle everything, ensuring your loan stays in good standing.

Will this affect my credit?

No, as long as payments are made on time, your credit remains the same or even improves since the loan continues to be paid. We set up third-party loan servicing so you can track payments for peace of mind.

What if the bank finds out? Will they call the loan due?

Banks care about one thing—getting paid on time. While most mortgages have a due-on-sale clause, lenders rarely enforce it as long as payments stay current. To ensure security, we have liquidated assets and funding partners in place to cover any obligations if needed.

On top of that, we have multiple fail-safes to prevent any default, meaning your loan stays protected, and the risk of the bank calling it due is extremely low.

Why would I sell my home Subject-To instead of listing it?

Selling Subject-To is faster, hassle-free, and avoids agent commissions, appraisals, and repairs. If you need a quick and smooth sale without the stress of the traditional market, Subject-To is a great option.

Do I still own the home after selling Subject-To?

No, once you sell Subject-To, the deed transfers to us. You no longer have responsibility for property taxes, repairs, or management—we take care of it all while keeping the mortgage in your name.

What happens if I have liens or unpaid taxes?

We can still buy your home even if there are liens or unpaid taxes. Our team works with the title company to resolve these issues as part of the process, so you don’t have to pay them out of pocket.

How fast can you close?

We typically close within 30 days, but if the home is vacant or you need a faster sale, we can close as soon as the title search is complete. We also offer flexible closing dates if you need more time.

What guarantees do I have that you’ll make the payments?

We use third-party servicing to ensure payments are made on time and properly tracked, so you always have proof that your mortgage is being paid. This system protects you and gives you peace of mind.

What do I need to provide to get an offer?

All we need is your most recent mortgage statement to review your loan details. Once we have that, we can get you an offer the same day with full transparency so you understand exactly how we came up with it.

Can I buy another house after selling Subject-To if the mortgage stays in my name?

Yes! Many of our sellers go on to buy another home without issues. At closing, we put a leaseback agreement in place, which serves as proof for underwriters at your new lender that the mortgage is being covered by someone else.

This, along with third-party payment servicing, helps you qualify for a new loan by showing that the debt is no longer your financial responsibility.

What’s the catch?

There isn’t one. The process is simply different from a traditional sale. Instead of you waiting for a buyer who needs bank financing, we step in immediately, take over payments, and make the process easy for you. No banks, no appraisals, no stress.

What if I’m not in financial distress—can I still sell Subject-To?

Absolutely! Many sellers choose Subject-To even when they’re not struggling because it allows them to avoid agent commissions, sell quickly, and move on without the hassle of listing on the market. It’s a great option whether you’re relocating, downsizing, or just want an easier sale.

What happens to my escrow account and insurance?

Your escrow account stays in place, and we ensure that taxes and insurance are paid as usual. We also update the insurance policy to reflect us as the new owner while keeping you protected as an additional insured party, so there’s no risk to you.

Can I do a Subject-To sale if my home is already listed with a real estate agent?

Yes! If your home is listed, we can still purchase it Subject-To, but we may need to work with your agent on their commission agreement. If you’re looking for a way to sell quickly without waiting for the right buyer, Subject-To could be a great alternative.

What happens if I want to sell my home but still live in it for a while?

We do not offer leaseback agreements, but we can structure the closing date to fit your timeline. If you need extra time before moving, we can schedule a later closing date that works for you. However, you would need to be fully moved out by the time we close. This allows you to plan your transition without feeling rushed while ensuring a smooth and stress-free sale.

Can I do a Subject-To sale if my home is in foreclosure?

Your escrow account stays in Yes, but only if the bank has not yet completed the foreclosure process. Once the bank takes full control of the property, we can no longer work with them to structure a deal. If you're behind on payments and at risk of foreclosure, it’s important to act quickly. We can step in, catch up on missed payments, and take over the mortgage before the bank finalizes the foreclosure, helping you avoid credit damage and financial loss.

Do I have to pay any fees or closing costs when selling Subject-To?

No, you do not have to pay any agent commissions, repair costs, or closing fees. We cover all closing costs and handle everything with the title company, so you can sell your home without any out-of-pocket expenses.

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