Break The Chains Group · Creative Finance

The bank said no. We say yes.

Solid income but the wrong tax returns. Self-employed. 1099. Cash buyer without the W-2 underwriting needs. Recent career change. Post-bankruptcy rebuilt. You can afford a home. You just don’t fit a bank’s underwriting box. We put buyers like you into homes today.

Start With A Free Call

Who we help

You can afford a house. The paperwork just doesn’t prove it the way a bank wants it proved.

  • Self-employed buyers whose tax returns show write-offs, not earnings.
  • 1099 contractors and business owners who took a pay cut on paper to invest in their business.
  • Recent career changers whose employment history breaks the bank’s two-year rule.
  • Recently divorced buyers whose new income profile is real but not seasoned.
  • Post-bankruptcy rebuilds who have rebuilt the finances but not yet the FICO.
  • Cash buyers without a credit footprint such as recent immigrants with solid income but no U.S. credit history.
  • Credit-impaired buyers who are working on the score but ready to own now.

How creative finance actually works

Three strategies the bank does not teach.

Each one puts you into a home without a traditional mortgage approval. Which one fits depends on the seller, the property, and your situation.

Strategy 1

Subject-To

You take over the seller’s existing mortgage payments. The loan stays in their name. The deed transfers to you. You own the house and the payments go to their existing lender through a servicing arrangement.

Best when: the seller has a low fixed-rate loan and wants out without paying commissions.

Strategy 2

Seller Finance

The seller acts as the bank. You sign a note and make monthly payments directly to them. Terms are whatever you negotiate. No underwriting. No FICO requirement. No ratio tests.

Best when: the seller owns the home free and clear and wants monthly income instead of a lump sum.

Strategy 3

Wrap (AITD)

A hybrid. The seller’s existing mortgage stays in place. You sign a new, larger note that wraps around it. You pay the seller. The seller keeps paying their original lender.

Best when: the seller has equity above their existing loan and wants both the down payment and monthly cash flow.

Housing first. Credit second.

If your credit is part of the problem, we can fix that too.

While we get you under a roof, our FCRA education arm walks you through fixing your credit file over the next twelve to twenty four months. By the time your loan needs to refinance out of creative finance into a conventional mortgage, your credit is where it needs to be. One operator. Two arms. Under one roof.

See The Credit Education Arm

Start with a free buyer-intake call.

Fifteen minutes. No pitch. You tell us your situation and we tell you which creative-finance path fits. If creative finance is not right for you, we tell you that too.

We respect your privacy. Your information is never shared or sold.
Creative finance transactions carry risks including but not limited to due-on-sale clauses, title issues, and lender acceleration. All deals are structured with a qualified Texas real estate attorney and reviewed individually. Past performance is not indicative of future results. Break the Chains Group LLC is a Wyoming limited liability company.