🔑 T.O.P. — Take Over Payments Program

Get Out From
Under Your Mortgage

Fast, simple, and stress-free. No repairs, no agent fees, no waiting. We take over your payments and you move on with your life.

$0Out of Pocket
DaysTo Close
$0Commissions
100%Legal & Documented
Does This Apply To You?
Is T.O.P. Right
For You?
😰
Behind on paymentsCan't catch up
💔
Divorce or separationNeed to split the property
✈️
RelocatingJob or family taking you away
🏚️
House needs repairsNo money to fix it up
⚰️
Inherited a propertyDon't want or can't keep it
📉
Most Common Reason
Owe more than it's worth
Your house is underwater — you can't sell the traditional way without bringing cash to the table. T.O.P. solves this completely.
🏥
Health issuesNeed cash quickly
🔔
Received notice from lenderForeclosure threat
👆 If you identify with any of these situations — we can help
The T.O.P. Difference
Why Choose T.O.P.?
😩

Traditional Sale

  • ❌ 5–6% agent commission
  • ❌ Months of waiting
  • ❌ Repairs required
  • ❌ Inspections
  • ❌ Total stress
  • ❌ Uncertain outcome
😌

T.O.P.

  • ✅ No commissions
  • ✅ Fast closing
  • ✅ As-is condition
  • ✅ No inspection
  • ✅ No stress
  • ✅ Secure
Real Example
Let's Talk Numbers
📋 Your Situation
What you owe the bank$180,000
What the house is worth$165,000
Difference (underwater)-$15,000
😩 Traditional Sale
YOU PAY
$15,000+
Out of pocket just to close — plus agent commissions on top
✅ T.O.P.
YOU PAY
$0
We take over the loan and the property — you walk away free
💡 Numbers are examples. Your situation may be different — call us and we'll walk through yours honestly.
How Does T.O.P. Work?
5 Simple Steps
1

You Call Us

Tell us about your house and your situation. No commitment, no pressure. Just an honest conversation.

Free & No Commitment
2

We Reach an Agreement

We agree on price and terms. Everything in writing, fully legal, fully protected for you.

100% Legal
3

You Transfer The Title To Us — The Most Important Step

We sign at the title company. The house transfers to our name. The bank loan stays exactly the same — it does not get paid off.

The Key To The Process
4

We Make The Payments To The Bank

From this point on, we make the mortgage payment every month. You pay nothing. Not a single cent.

You Are Free
5

You Move On With Your Life

You're out of the house, done with payments, problem solved. We take full responsibility for the property and continue fulfilling the loan.

Problem Solved!
The Big Picture
Before & After T.O.P.
Before
📋 Title: Your name
🏦 Loan: Your name
💸 Payments: You pay
😓 Stress: All yours
➡️
After T.O.P.
📋 Title: Our name
🏦 Loan: Your name*
💸 Payments: We pay
😌 Stress: Gone
* The loan stays in your name until we sell, refinance, or otherwise dispose of the property. We make every payment — you can verify this anytime through your bank portal.
Forget About All Of This
What You Do NOT Have To Do
🔨 Fix anything✗
🧹 Clean the house✗
🏠 List on the market✗
👔 Pay an agent✗
🔍 Pass inspection✗
📅 Wait months✗
🏦 Qualify with a bank✗
😤 Negotiate offers✗
Full Transparency
Your Loan Is
Protected With T.O.P.
🤔

The most common question: "But the loan is still in my name — how do I know you're actually paying it?" Great question. Here's how you can verify it at any time:

💻
Bank Portal
You can still log into your account online and verify that payments arrive each month
📬
Monthly Statements
The bank still sends you statements — use them to confirm every payment
📜
Legal Contract
We sign a contract that legally obligates us to make payments on time
📞
Open Communication
You can always reach us if you have any questions or concerns
🛡️ It's in our best interest to always pay on time — this property is our investment and we protect it as such
Let's Be Clear
What T.O.P. Is NOT
✗ Not a scam
✗ Not a loan modification
✗ Not a short sale
✗ Not a foreclosure bailout
✗ Not too good to be true
✗ Not a verbal promise
📜 Everything is done in writing through a licensed title company. You are protected by a legal contract — not just our word.
Honesty First
T.O.P. Is Not For Everyone

This program works best in specific situations. We'll tell you honestly if it's a good fit — without wasting your time.

✗ If your home has a lot of equity, a traditional sale probably makes more sense — and we'll tell you that upfront.
✗ If you need an exact date of when the loan will come out of your name, this program cannot guarantee that.
✗ If you're expecting a large cash payout, this may not be the best option for your situation.
🤝 Our promise: if we talk and it's not a good fit, we'll tell you — and if we can, we'll point you toward someone who can help.
Frequently Asked Questions
Common Questions
Answered
🏦 Will the bank find out?+
The loan continues to be paid on time every month. Banks rarely trigger the due-on-sale clause as long as payments are current. We handle this professionally with a lot of experience.
📊 Will my credit be affected?+
Actually the opposite — if you're behind on payments today, this HELPS your credit because payments will be made on time from the moment of closing. As long as payments arrive on time, your credit history improves month by month.
⚠️ What if you stop making payments?+
We sign a contract that legally obligates us to make payments. You can also verify the loan status online at any time. It's in our best interest to pay because the property is our investment.
💵 Do I receive cash?+
It depends on your situation. In some cases there is cash at closing. In others, the main benefit is getting out from under the payments and the stress. We're open about this from the very beginning and 100% transparent.
🏡 Can I buy another house in the future?+
Yes — and this is important to understand. The loan stays in your name, which means it still shows on your credit report as a debt. This can affect your debt-to-income ratio when applying for a new mortgage. Every lender is different, so we always recommend speaking with a mortgage broker about your specific situation. Many of our sellers have successfully purchased again — it depends on your income, credit, and the lender.
⚖️ Is this legal?+
Yes, 100% legal. T.O.P. transactions are done through a licensed title company with all formal documentation. It's a real estate strategy that has existed for decades and is backed by law.
For Your Family
How To Explain This
To Your Family

Share this page with them — here's the simple version

We are signing the house over to a buyer. The title — the legal ownership — transfers to them. They own it, they're responsible for it.
The mortgage doesn't disappear — they take over the payments. Our name stays on the loan but they make every single payment directly to the bank. We're not paying it anymore.
It's all done legally through a title company. There's a contract, there are documents, and we can verify payments online anytime. This is not a handshake deal.
Get Started
Tell Us About
Your Property

Fill out the form and we'll reach out within 2 business hours. No pressure, no obligation.

No spam. No pressure. We respond within 2 business hours.
🎉

We Got Your Info!

One of our team members will reach out within 2 business hours with your options. Feel free to explore the links below in the meantime.

🙌
T.O.P. Gets
You Out!

No commissions, no repairs, no months of waiting. Just fast, real results for your situation.

✅ Out of the house now
✅ Done with payments
✅ No commissions
✅ No repairs
✅ Fast process
✅ 100% legal

🤝 Ready To Talk?

No pressure. No commitment. Just real solutions for your situation.

📞 Call Now — (832) 704-2784 ✉️ fabebuys@gmail.com
We typically respond within minutes — not days

Hablamos Español 🇲🇽

We serve English and Spanish-speaking homeowners across the country.

📞 (832) 704-2784 🇲🇽 Ver en Español
Ready to talk? Free, no pressure consultation
Get Started