Someone take over the mortgage
The search is “take over my mortgage,” “buyer takes over payments,” “sell the house with the loan in place.” That structure is a subject-to purchase: we buy the house, the existing loan may stay in your name, we make the payments. The servicer did not have to like it. They can still accelerate. This is not an assumption. This is not a rescue.
It is also not the default path once a Fort Bend sale date is on a notice. Subject-to is slow to paper and easy for a lender to call. If you are posted, cash or a short sale is usually the file that can still fit. If you are behind but not posted, we will say whether subject-to is even on the table for that loan.
We buy Houston-metro houses. We do not promise the servicer will leave the loan alone. We do not stop a foreclosure sale. We do not represent you. How a file runs.
Talk about selling the house. If you want to keep it and catch up, start with who to call for free help.
What the statute actually says
A “take over my mortgage” deal is usually a subject-to purchase, not a formal assumption. Many loans have a due-on-sale clause. Federal law on those clauses is 12 U.S.C. § 1701j-3 (Garn–St. Germain). Some transfers are protected. A buyer just starting to pay your note is often not.
If the house is posted, Texas is on Property Code § 51.002 regardless of that structure. Subject-to is slow to paper. A posted first Tuesday is not. We will say whether it is even on the table. We do not promise the servicer will leave the loan alone.
Statute links are the official text. This site is not a law firm. We buy houses. We do not give legal advice.
We do not stop a foreclosure sale. We are the buyer, not your agent.
Related: Is this house in foreclosure? · Sell a house in foreclosure · How we buy · Default letter · Owe more than it is worth · Fort Bend sale months