{"id":482,"date":"2025-05-21T08:42:30","date_gmt":"2025-05-21T08:42:30","guid":{"rendered":"https:\/\/beta10.technodreamcenter.com\/acculinemanagement.com\/?page_id=482"},"modified":"2025-05-22T09:26:11","modified_gmt":"2025-05-22T09:26:11","slug":"faq","status":"publish","type":"page","link":"https:\/\/beta10.technodreamcenter.com\/acculinemanagement.com\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t
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Have Questions About Selling Your House?<\/u><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tHere Are Our Most Asked Questions\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/main>\n\t\t
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What Is The Best Way To Sell My House?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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We always want to help our community by answering any questions they may have. Below is a collection of the most frequently asked questions we receive from homeowners across the nation. If you have any more questions that you can not find here please feel free to give us a call at\u00a0(980) 980-1929<\/strong><\/a>\u00a0or contact us by\u00a0filling out our simple form<\/strong><\/a>.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Does your FREE cash offer put me under any obligation? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Absolutely not! Every single one of our FREE Cash Offers<\/strong> is risk-free. You are under no obligation to us when you receive our offer. It is completely your choice to accept or decline our offer when we present it to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can you buy my house if it is listed with an agent? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Unfortunately, we can not. When you list your house with an agent the house becomes contracted and we are not able to buy it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What if I owe money on the house? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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We can still buy your house even if you still have loans or liens on your house. If you owe more than what our cash offer is, that is still ok. We have been able to buy several homes with high mortgages by taking advantage of our incredible special financing offers.<\/p>

There is no situation we do not want to help with. If you want to sell your house even with loans or liens, then give us a call at\u00a0(980) 980-1929<\/strong><\/a>\u00a0or contact us by\u00a0filling out our simple form<\/strong><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How long will it take to sell my house? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Not every house can be sold in 7 days. Different homeowners experience different situations. Some situations are more serious than others. The best part about selling to Acculine Management is that we purchase dozens of homes every month across the nation and have been able to deal with all sorts of difficulties. When you sell to us you can be sure that we will do anything we can to buy your house as quickly as possible!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How much can you buy my house for? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Our process for creating an offer is very simple. We take a look at the location of your house, what kind of repairs are needed in order to bring the house to acceptable standards, and how much similar houses have sold for in the past few months. After we determine these 3 factors, we\u2019re able to give you a FAIR cash offer for your house. We try and be as open as possible with everyone. If you have any questions about how we can buy your house\u2026 Please feel free to give us a call at\u00a0(980) 980-1929<\/a>\u00a0<\/strong>or contact us by\u00a0filling out our simple form<\/strong><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Are there any costs when we sell to you? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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When you sell a house the traditional way\u2026 You soon discover that there are thousands of dollars in repairs, fees, and costs. One of the greatest reasons you should sell to us is that\u00a0you pay absolutely no costs!<\/strong>\u00a0When we buy your house we take care of all the expenses. This means you get to walk away with\u00a0more cash in your pockets.\u00a0<\/strong>It\u2019s our goal to make the entire process as easy as possible. We want to make sure you have a\u00a0Hassle Free<\/strong>\u00a0and\u00a0Pain-Free<\/strong>\u00a0home selling experience!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tGET MY CASH OFFER NOW or call (980) 980-1929<\/span><\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What is Creative Finance?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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“Subject-To” is a way of purchasing real estate where the buyer takes title to the property, however the existing loan stays in the name of the seller. In other words, “Subject-To” the existing financing. The buyer now controls the property and makes the mortgage payments on the seller’s existing mortgage.<\/p>\n

“Seller Financing”, also known as owner financing<\/strong>, is when the seller acts as the lender<\/strong> in a real estate transaction. Instead of the buyer obtaining a traditional mortgage from a bank, the seller allows the buyer to make regular payments directly to them over time, typically secured by a promissory note and mortgage or deed of trust.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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How Does Subject-To Benefit You? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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1. We take over all mortgage, insurance, PMI payments, maintenance and all overhead associated with the property. Seller is free of any repairs or maintenance. The buyer will be responsible for everything.<\/p>\n

2. Will help improve credit profile when on-time payments are made. This should boost your credit. Since the mortgage is still in your name, and all the serviced payments are reported to the credit bureaus, your credit will receive direct benefit.<\/p>\n

3. No need for banks or appraisals that slow the ability to close quickly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Is Sub2 Legal? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Absolutely! In the closing statements that get distributed at the end of every real estate transaction, there is actually language and placeholders in there for loans getting taken over using subject-to. These transactions happen every day and you can verify on line 203:\u00a0https:\/\/www.hud.gov\/sites\/documents\/1.PDF<\/a><\/p>

Watch this video:<\/p>

https:\/\/www.youtube.com\/watch?v=96f9BMKgaoQ<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How Will I Know The Mortage Payment Is Paid On Time? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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We set up a third-party servicing company for every subject-to deal to withdraw money from our account and make direct payments to the parties involve, to ensure not only proof of payment, but to also eliminate the mortgage from your debt and protect your DTI ratio<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How Will This Effect My DTI (Debt-To-Income) Ratio To Buy Another Property? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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We work with licensed service companies that will contact your bank to provide proof that the payment is being assumed by another party, therefore enabling your lender to remove it from your DTI.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What Happens If A Buyer Defaults And Misses A Payment? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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We structure what is called a \u201cperformance deed\u201d or \u201cDeed in Lieu\u201d pre- signed and held at the servicing company. The house is effectively transferred back in the seller\u2019s name if the buyer defaults after a 30-day period. In this situation the seller would inherit the property back and benefit from any and all loan paydown payments, improvements made to the property and appreciation that the property has seen. The seller could then sell the property again for even more money if they didn\u2019t want to keep it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Who Is Responsible For Repairs Or Maintenance On The Property? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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The seller would not be responsible for any repairs or maintenance on the property after the deed is transferred. The buyer (person on the deed) is solely responsible of the property as it is now the legal owner. The seller is never responsible for the property after the deed is transferred.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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We will have our insurance agent replace your current policy with our policy with the sellers added as an additional insured. So not only are we on the insurance policy but you will be on the insurance as well. We would swap the utilities into our name.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How Long Will The Mortgage Stay In My Name? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Everyone should expect the mortgage to stay in their name until the loan is paid off. As long as the payment is being serviced, having the mortgage in your name will only be a benefit. However, our partners and us will typically refinance or sell the property after 7 years to extract equity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What Happens If A Due-On-Sale Clause Is Called? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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This rarely happens but if the bank sees the deed has been transferred, they could request the remaining loan balance to be paid in one lump sum because they believe the property has been sold (hence the name due on sale). We have specific language in our closing documents to protect both of us. Essentially, we would deed the property back to you via limited POA and resell the home again on an executory contract. The deed will be held in escrow and recorded once the loan is fully paid.<\/p>

This type of sale is the same as when you purchase a vehicle on a loan. You don\u2019t receive the title of the car you buy until the loan on the car is paid, even though you still own the car and are responsible for it. The only difference with a house, we lose the tax benefits of having the deed, but it\u2019s well worth it to keep us both protected.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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