Got a question mid-call? Message Fabe directly on WhatsApp
Ask these before sending any link — qualifies the seller fast
1
How much do you owe on the property?
Tells you if they're underwater, have equity, or are close to even. Determines which option fits.
2
Are you current on your payments or behind?
If behind — T.O.P. is urgent. If current — more options available.
3
What do you think the house is worth right now?
Helps you calculate equity. If they owe more than it's worth — T.O.P. is the only real option.
4
What condition is the property in?
Repairs needed = rules out traditional listing. As-is = T.O.P. or cash offer.
5
Why are you looking to sell?
Uncovers the real motivation — foreclosure, divorce, relocation, inherited. Changes your approach.
6
How soon do you need to move?
Urgency determines which option to push. Days = T.O.P. or cash. Months = could list.
💡 After qualifying, go straight to the Seller Links tab and send the right page for their language and situation.
What to say when sellers push back
😐 "I need to think about it."
Totally understand — that's exactly why I sent you the link. Take your time, read through it with your family, and just reach out when you're ready. There's no deadline and no pressure on our end.
👫 "My spouse needs to see it first."
That makes total sense — the link is easy to forward. Just send it to them and go through it together. It explains everything step by step so you both have the full picture.
🤔 "Is this a scam?"
That's a fair question and I respect you for asking. Everything is done through a licensed title company — not a handshake deal. There's a legal contract and full documentation. We protect you just as much as ourselves.
💰 "I want to list with an agent instead."
That might be the right move — it depends on your situation. If your home has equity and you have time, listing could get you more. But if you owe more than it's worth or need out fast, listing may cost you money instead of making it. The link breaks it all down side by side.
📅 "When will my name come off the loan?"
We can't give you an exact date — and anyone who promises you one isn't being straight with you. What we can tell you is that we make every payment on time and you can verify that anytime through your bank portal.
🏦 "What if you stop paying the bank?"
It's in our best interest to always pay — this property is our investment. We also sign a contract that legally obligates us. And you can monitor the payments online anytime. We have skin in the game too.
💵 "Your price is too low."
I totally understand where you're coming from. The way I structure deals is a little different from a traditional sale. I'd love to jump on a quick call and walk you through exactly how it works and what the full picture looks like for you. Would you have 10 minutes this week?
🏠 "I already have an agent."
No problem at all. I work alongside agents all the time and I'm not here to step on anyone's toes. If the listing doesn't go as planned just keep me in mind. I may be able to make something work when traditional buyers can't.
✅ Do
✓ Let the page do the explaining
✓ Stay on the phone while they read it
✓ Ask the 6 qualifying questions first
✓ Be honest if it's not the right fit
✓ Encourage them to share with family
✓ Follow up within 24 hours
✓ Send Spanish link to Spanish speakers
✓ Text Fabe on WhatsApp if unsure
❌ Don't
✗ Promise a specific close date
✗ Guarantee cash at closing
✗ Promise the loan leaves their name by a date
✗ Pressure them to decide on the call
✗ Make verbal deals — everything in writing
✗ Skip the qualifying questions
✗ Oversell if the deal doesn't fit
✗ Wing it — text Fabe first
💡 When in doubt — send the link and let the page do the work. It was built to answer their questions for you.
🔥 New Lead — First Contact
Facebook Lead — Quick
New Lead
Hey [Name] this is Fabe from Thrve HomeBuyers. Saw you were interested in learning about your options with your property. When would you have a few minutes to chat?
thrvehomebuyers.com
Facebook Lead — Warm
New Lead
Hey [Name] it's Fabe with Thrve HomeBuyers. I help homeowners sell fast without repairs or commissions. Would love to connect and go over your options whenever you're free.
thrvehomebuyers.com
T.O.P. — Send After Call
New Lead
Hey [Name] it's Fabe. Here's the info on our Take Over Payments program I mentioned. Take a look when you get a chance and feel free to share it with your family. No pressure at all. 👇
https://top.thrvehomebuyers.com
3 Ways to Sell — Send After Call
New Lead
Hey [Name] it's Fabe. Here's a quick breakdown of your 3 options for selling your house so you can see exactly what makes sense for your situation. 👇
https://3ways.thrvehomebuyers.com
Pre-Offer — Get Loan Info (Seller)
New Lead
Hey [Name] for sure — before I can give you a number I just need to know one thing first:
Is there a mortgage on the property or is it paid off?
If there's a loan I'll need to know roughly what's owed and what the monthly payment looks like. That tells me which type of offer makes the most sense. Once I have that I can get you something within 24 hours.
🔄 Follow-Up
Ghosted Lead — Check In
Follow-Up
Hey [Name] it's Fabe with Thrve HomeBuyers. We were talking a little while back about your property and I never heard back. No worries at all — just wanted to check in and see if you're still looking at your options. I'm still here whenever you're ready.
thrvehomebuyers.com
2–3 Month — Circle Back
Follow-Up
Hey [Name] it's Fabe with Thrve HomeBuyers. We spoke about 2-3 months ago about your property on [Street] and I just wanted to circle back. Are you still thinking about selling or has anything changed on your end? Either way totally fine — just want to make sure I'm not missing you.
thrvehomebuyers.com
2–3 Month — Life Changes
Follow-Up
Hey [Name] it's Fabe from Thrve HomeBuyers. We talked a while back about your place on [Street]. Just wanted to check in. Life changes and so do plans. If selling has crossed your mind at all I'm still here. No pressure.
thrvehomebuyers.com
2–3 Month — One Text Away
Follow-Up
Hey [Name] it's Fabe from Thrve HomeBuyers. We spoke a while back about your home on [Street]. Just thinking about you and wanted to reach out. If the timing is ever right I'm one text away.
thrvehomebuyers.com
After Meeting — Thank You
Follow-Up
Hey [Name] it was great connecting with you today. I really appreciate you taking the time to chat. I'll get everything together and follow up with you shortly. Feel free to reach out anytime if you have questions in the meantime.
thrvehomebuyers.com
After Meeting — Still Interested?
Follow-Up
Hey [Name] it's Fabe. We talked a little while back and I just wanted to circle back and see where your head is at. Still happy to make this work for you whenever you're ready.
thrvehomebuyers.com
Objection — "I Need to Think About It"
Follow-Up
Hey [Name] totally understand. Take all the time you need. I just want to make sure you have everything you need to make the best decision for you and your family. I'm here whenever you're ready. No rush at all.
thrvehomebuyers.com
Objection — "I'm Not Ready Yet"
Follow-Up
Hey [Name] that's completely fine. There's no pressure on my end at all. I'll check back in with you in a couple months and in the meantime feel free to reach out whenever the timing feels right.
thrvehomebuyers.com
Dead Lead — Simple Re-Intro
Dead Lead
Hey [Name] it's Fabe with Thrve HomeBuyers. It's been a while since we last talked. I know things change over time and I just wanted to reach back out in case selling your home has come back on your radar. No pressure — just checking in.
thrvehomebuyers.com
Dead Lead — Last Attempt
Dead Lead
Hey [Name] it's Fabe with Thrve HomeBuyers. I know it's been a long time since we connected. I'll keep this short. If you ever decide you want to sell your home fast without any hassle I'm still your guy. Whenever the time is right I'm one text away.
thrvehomebuyers.com
Dead Lead — Market Update Hook
Dead Lead
Hey [Name] it's Fabe with Thrve HomeBuyers. We talked a while back about your property. With the way the market has been moving lately I wanted to reach back out. You may have more options now than you did before. Would you be open to a quick conversation?
thrvehomebuyers.com
⚖️ Probate
Probate — Checking In
Probate
Hey [Name] it's Fabe with Thrve HomeBuyers. We spoke a while back and at the time selling wasn't on your radar. Just wanted to check in and see if anything has changed. If you're thinking about moving the property I'd love to connect whenever you're ready. No rush at all.
thrvehomebuyers.com
Probate — Never Reached
Probate
Hey [Name] this is Fabe with Thrve HomeBuyers. I've been trying to reach you about a property. If you ever need a quick hassle free sale I'm your guy — no repairs, no fees. Would you have a few minutes to chat?
thrvehomebuyers.com
Probate — Plant a Seed
Probate
Hey [Name] it's Fabe from Thrve HomeBuyers. Hope things are going okay on your end. Just wanted to reach out and let you know I'm here if you ever need help with a property. No pressure at all.
thrvehomebuyers.com
Probate ES — No Ha Respondido
Probate ES
Hola [Nombre] le saluda Fabian Garza. He intentado comunicarme con usted en relación a una propiedad. Si necesita ayuda para manejarla de manera rápida y sin complicaciones con gusto le oriento. No hay ninguna presión.
elcompracasas.com
(832) 704-2784
Probate ES — No Estaba Listo
Probate ES
Hola [Nombre] soy Fabian Garza. Hablamos hace un tiempo y en ese momento no era el momento indicado. Solo quería hacer contacto de nuevo para ver si algo ha cambiado. Aquí estoy cuando esté listo.
elcompracasas.com
(832) 704-2784
Probate ES — Plantar Semilla
Probate ES
Hola [Nombre] le habla Fabian Garza. Espero que todo esté bien. Solo quería hacerle saber que si en algún momento necesita ayuda con una propiedad aquí estoy. Sin compromiso ni presión.
elcompracasas.com
(832) 704-2784
🏡 Agents & Listed Properties
Listed — Neighbor Angle · First Contact
Listed
Hey [Name] this is Fabian Garza. I'm a local buyer based out of League City and came across your home on [Address]. I noticed it's been on the market for a bit and just wanted to put my name out there. If things don't go as planned with the listing I buy homes differently than a traditional buyer and may be able to make something work regardless of the situation. No pressure at all — just wanted you to know the option is there. Hope it sells quick!
thrvehomebuyers.com
Listed — Creative Financing Angle · 60+ Days
Listed
Hey [Name] this is Fabian Garza — local buyer out of League City. I came across your listing on [Address] and noticed it's been sitting for a while. Sometimes when a home doesn't move on the market it's not a problem with the home — it's just the wrong type of buyer. I buy homes using creative financing which means I can often make deals work when traditional buyers can't. If the listing doesn't close I'd love to connect and go over what that could look like for you. Best of luck with everything.
thrvehomebuyers.com
Listed — Short & Personal · 2nd or 3rd Follow-Up
Listed
Hey [Name] it's Fabian Garza from League City. Saw your home on [Address] and just wanted to say — if the listing doesn't work out give me a call. I buy homes in ways traditional buyers can't and I've helped a lot of sellers in situations just like yours. No rush and no pressure. Just wanted my number in your phone. (832) 704-2784
thrvehomebuyers.com
Agent — Direct Outreach
Agent
Hey [Agent Name] it's Fabe with Thrve HomeBuyers. I saw [Address] has been sitting for a while and wanted to reach out. I buy properties on terms and I make sure the listing agent gets paid at closing just like any normal transaction. If your seller is open to exploring options outside of traditional financing I'd love to put something together. Worth a quick call?
thrvehomebuyers.com
Agent — Listing Expired or About To
Agent
Hey [Agent Name] I know the listing on [Address] hasn't found the right buyer yet and I wanted to reach out before it expires.
I buy homes differently than traditional buyers — I look at what's behind the property, not just the price tag. If the seller has a mortgage I can structure an offer around those payments which means we can sometimes make deals work that a regular buyer can't touch.
A few things worth knowing:
✅ Your commission is covered — paid at closing through title
✅ No repairs needed — I take it as-is
✅ We can move fast once I have the loan info
✅ Your seller gets a way out without a dead listing on their record
All I need is — what's owed on the property and what's the monthly payment? If you can get me that I'll have something back to you within 24 hours. Worth a shot before the listing dies?
Agent — Educate on Creative Financing
Agent Ed
Hey [Agent Name] great question — let me explain how I buy since it's different from most buyers you've worked with.
Most cash buyers make a lowball offer based on ARV minus repairs. I do something different — I look at the loan behind the property and structure the offer around that.
Here's how it works in simple terms:
✅ If the seller has equity — I can make a traditional cash offer and close fast
✅ If the seller has little or no equity — I take over their existing mortgage payments so they can walk away without the bank coming after them
✅ Either way — your commission is fully protected at closing just like any normal deal
All I need to get started is the loan info — what's owed and what the monthly payment is. Can you get that from your seller?
Agent — Commission is Safe
Agent Ed
Hey [Agent Name] I know creative financing can sound unfamiliar so I want to be straight with you on a few things:
1️⃣ Your commission — fully protected. You get paid at closing just like any traditional transaction through the title company.
2️⃣ Everything goes through a licensed title company — legal contract, full documentation, clean closing.
3️⃣ I work WITH agents — not around them.
4️⃣ Your seller gets MORE options — not fewer. This may be their only path to getting out without a foreclosure on their record.
If you've never done a creative deal before I'm happy to walk you through the whole process step by step. Want to jump on a quick call?
Agent — "My Seller Won't Go for That"
Agent Ed
Hey [Agent Name] I totally understand — it's a different concept and sellers sometimes hesitate when they first hear it.
Here's what I'd suggest — just send them this link and let them read through it at their own pace. It explains the whole thing in plain language and they can share it with their family before making any decisions.
👇 thrvehomebuyers.com
No pressure on them at all. Most sellers who were hesitant end up thanking me after they read how it actually works. Would you be open to just sending it over to them?
Agent — Pre-Offer Info Request
Agent Ed
Hey [Agent Name] absolutely — I'd love to get you an offer. The way I buy is a little different from a traditional cash buyer so before I can put together the right number I just need a few quick things:
1️⃣ Is there a mortgage on the property or is it owned free and clear?
2️⃣ If there's a loan — roughly how much is still owed?
3️⃣ What's the current monthly payment (principal + interest)?
4️⃣ Is the seller current on payments or behind?
5️⃣ What condition is the property in — any major repairs needed?
Once I have that I can put together the right offer structure for this specific situation. Usually takes me less than 24 hours. Does that work?
Agent — Follow-Up After No Response
Agent
Hey [Agent Name] just circling back on [Address]. I know you're busy — just wanted to see if you had a chance to get the loan info from your seller. Even if the numbers don't work I'm happy to take a look and give you an honest answer quickly. No obligation either way.
What's owed and what's the monthly payment?
💵 Cash Offer
Cash — First Contact
Cash Offer
Hey [Name] it's Fabe with Thrve HomeBuyers. I'm interested in making a cash offer on your property at [Address]. No repairs needed, no agent fees, and we can close on your timeline. Would you have a few minutes to chat this week?
thrvehomebuyers.com
Cash — Follow Up
Cash Offer
Hey [Name] it's Fabe with Thrve HomeBuyers. Just following up on your property on [Street]. I'm still interested in making a cash offer and can move quickly whenever you're ready. What's the best time to connect?
thrvehomebuyers.com
🇪🇸 Spanish Leads
Facebook Lead — Buenas Tardes
Spanish
Hola Buenas tardes [Nombre] soy Fabian Garza. Vi que nos mandó un mensaje en Facebook sobre su propiedad. Mientras coordinamos una llamada aquí le comparto información sobre cómo podemos ayudarle 👇
elcompracasas.com
¿Tiene unos minutos para hablar hoy o mañana? (832) 704-2784
Facebook Lead — Buenos Días
Spanish
Hola Buenos días [Nombre] soy Fabian Garza. Vi su mensaje en Facebook sobre su propiedad y quería comunicarme de inmediato. Aquí le dejo información sobre cómo trabajamos 👇
elcompracasas.com
¿Tendría unos minutos para platicar hoy o mañana? (832) 704-2784
Facebook Lead — Neutral
Spanish
Hola [Nombre] soy Fabian Garza. Recibimos su mensaje en Facebook y con gusto le ayudamos con su propiedad. Aquí le comparto cómo podemos ayudarle 👇
elcompracasas.com
¿Cuándo tendría unos minutos para hablar? (832) 704-2784
Alivio de Pagos — Envío Rápido
Spanish
Hola [Nombre] soy Fabian Garza. Le mando esta información sobre el programa de Alivio de Pagos que le mencioné para que lo pueda ver con calma y compartirlo con su familia. Cualquier pregunta me llama o me escribe. 👇
https://alivio.elcompracasas.com
Alivio de Pagos — Propuesta
Spanish
Hola [Nombre] le ofrezco:
✅ Me hago cargo de su pago mensual
✅ Le doy entre $12,000 – $15,000 en efectivo al cierre
✅ Sin reparaciones ni comisiones
Aquí le explico cómo funciona:
elcompracasas.com
Cualquier pregunta con gusto platicamos.
Fabian Garza | (832) 704-2784
Follow-Up — No Ha Respondido
Spanish
Hola [Nombre] le saluda Fabian Garza. Le escribí hace unos días sobre su propiedad y quería hacer un seguimiento. Si todavía está pensando en sus opciones con gusto le ayudo. No hay ninguna presión.
elcompracasas.com
(832) 704-2784
Follow-Up — 2-3 Meses Después
Spanish
Hola [Nombre] soy Fabian Garza. Platicamos hace unos meses sobre su propiedad y quería hacer contacto de nuevo. La vida cambia y los planes también. Si en algún momento quiere conocer sus opciones aquí estoy.
elcompracasas.com
(832) 704-2784
🌱 Land — English & Spanish
Land — Direct & Local (Best)
Land
Hey [Name] my name is Fabian Garza. I'm a local investor and home builder based out of League City. I came across your land on [Address] and noticed the listing expired. I build in the area and I'm actively looking for lots so I wanted to reach out directly. If you're still open to selling I'd love to see if we can put something together that works for you. Happy to make it a quick and easy process.
thrvehomebuyers.com
Land — Short & Simple
Land
Hey [Name] it's Fabian Garza. I'm a local builder in League City and saw your land listing on [Address] expired. Are you still looking to sell? I buy lots directly and can make it a simple smooth process.
thrvehomebuyers.com
Land — Follow Up No Response
Land
Hey [Name] this is Fabian Garza. I reached out a little while back about your land on [Address]. Just wanted to follow up one more time in case the timing is better now. I'm still interested and happy to make it as easy as possible on your end. Let me know if you'd like to connect.
thrvehomebuyers.com
Terreno ES — Directo y Local
Terreno ES
Hola [Nombre] mi nombre es Fabian Garza. Soy constructor e inversionista local aquí en League City. Vi que su terreno en [Dirección] estuvo listado y quería comunicarme directamente. Estoy buscando lotes en el área y me gustaría ver si podemos llegar a un acuerdo que funcione para usted. ¿Estaría dispuesto a platicar unos minutos?
elcompracasas.com
(832) 704-2784
Terreno ES — Corto y Simple
Terreno ES
Hola [Nombre] soy Fabian Garza constructor local en League City. Vi que su terreno en [Dirección] expiró. ¿Sigue interesado en venderlo? Compro lotes directamente y puedo hacer el proceso rápido y sencillo.
elcompracasas.com
(832) 704-2784
Terreno ES — Seguimiento Sin Respuesta
Terreno ES
Hola [Nombre] le habla Fabian Garza. Le contacté hace un tiempo sobre su terreno en [Dirección] y quería hacer un seguimiento por si el momento es mejor ahora. Sigo interesado y con gusto hago el proceso lo más fácil posible. Quedo a sus órdenes.
elcompracasas.com
(832) 704-2784
📅 Confirm & Referral
Confirm — Day Before Call
Confirm
Hey [Name] it's Fabe with Thrve HomeBuyers. Just confirming our call tomorrow at [Time]. Looking forward to connecting with you. Feel free to text me if anything comes up.
thrvehomebuyers.com
Confirm — Morning Of
Confirm
Hey [Name] it's Fabe. Just touching base this morning. We're still on for today at [Time]. Looking forward to it. Let me know if you need anything before then.
thrvehomebuyers.com
Referral — Past Seller
Referral
Hey [Name] it's Fabe with Thrve HomeBuyers. Hope everything has been going well since we worked together. I wanted to reach out and ask if you know anyone who might be looking to sell their home. I always take good care of anyone you send my way. Really appreciate you.
thrvehomebuyers.com
Leave this when sellers don't pick up — always mention the link so they look before calling back
English Voicemail
English
Hi [Name], this is [Your Name] calling with Thrve Homebuyers. I'm reaching out because we may be able to help you with your property situation. We work with homeowners who need to sell and we have multiple options depending on your situation — no repairs, no agent fees, and we can move fast.
I'm going to send you a quick text with a link that breaks down all your options so you can see what makes the most sense for you. Take a look when you get a chance and give me a call back at (832) 704-2784. No pressure at all — just want to make sure you know what's available. Talk soon.
Spanish Voicemail — Español
Spanish
Hola [Nombre], le llama [Su Nombre] de Thrve Homebuyers. Le llamo porque puede que tengamos una solución para su propiedad. Trabajamos con propietarios que necesitan vender y tenemos varias opciones dependiendo de su situación — sin reparaciones, sin comisión de agente, y podemos movernos rápido.
Le voy a mandar un mensaje de texto con un enlace que explica todas sus opciones para que vea cuál aplica mejor a su caso. Échele un vistazo cuando pueda y me devuelve la llamada al (832) 704-2784. Sin presión — solo queremos asegurarnos que usted conozca todas sus opciones. Hasta pronto.
💡 After leaving the voicemail, send the 3 Ways to Sell or 3 Maneras de Vender link right away. Let them self-select their situation — then follow up with the specific page on the callback.
70% Rule · Enter the address and numbers — we'll tell you which option fits
2.Search the property address and look at Recently Sold homes nearby
3.Filter by similar: same beds/baths, within 0.5 miles, sold in last 6 months
4.Pick 3 comparable homes — add their sold prices and divide by 3
5.That average is your ARV estimate — enter it below
⚠️ If the home needs major repairs use Redfin — it shows distressed sales too. Zillow sometimes inflates values on fixer-uppers.
📊 Results
ARV × 70%
− Repairs
− Fee
Max Offer (MAO)
Seller Owes
Seller Equity
💡 Formula: MAO = (ARV × 70%) − Repairs − Fee. If MAO is below what seller owes, T.O.P. or walking away are the only options.
Word-for-word opening. Follow the path based on their answers.
📞 Opening — They Pick Up
"Hey [Name], this is Fabian Garza — did I catch you at a bad time?"
[Wait for response — if yes, ask when to call back. If no, continue.]
"Great. I'm reaching out because I came across your property at [Address] and I buy houses in the area. I just had a couple quick questions — do you have about 2 minutes?"
🔀 Path A — They Have Equity
When they owe LESS than the home is worth:
"Great — so it sounds like you have some equity built up. That gives us a couple of options. We can either make you a straight cash offer and close in as little as 7 days, or if you want to try the market first I can connect you with someone who can list it for you. Which direction sounds more interesting to you?"
➡ Send 3 Ways to Sell link after the call.
🔀 Path B — Little or No Equity
When they owe CLOSE TO or MORE than the home is worth:
"I hear you — and the good news is we actually specialize in exactly this situation. We have a program called Take Over Payments where we take over your mortgage so you don't have to keep paying it. You walk away free with no foreclosure on your record and in some cases we can even get you some cash at closing. Can I send you a quick link that explains exactly how it works so you can look at it with your family?"
➡ Send T.O.P. or Alivio de Pagos link right after.
🔀 Path C — They're Not Interested
When they say no or they're not looking to sell:
"No problem at all — I totally respect that. Would it be okay if I just sent you a quick text with my info in case things change down the road? Sometimes life happens and I'd rather you have my number."
➡ Send main site link. Add to follow-up list for 2-3 months.
🔚 Closing the Call
"I'm going to send you that link right now while we're talking. Take a look when you get a chance — it explains everything step by step and you can share it with your family. The best way to reach me is right here at (832) 704-2784. Any questions at all just text me. Sound good?"
Always end with a send — never hang up without sending a link.
💡 The goal of the call is NOT to close the deal — it's to qualify the seller and send the right link. Let the page do the heavy lifting.
Stop and text Fabe before going further if you see any of these.
🚩 Walk Away — Deal Killers
🏦 IRS Tax Lien on the Property
IRS liens survive the sale and must be paid. Cannot do T.O.P. on a property with an IRS lien unless it's resolved first.
⚖️ Active Lawsuit or Lis Pendens
If there's a lawsuit tied to the property title it cannot close cleanly. Title company will catch this but don't waste time pursuing it.
🏛️ Probate Not Yet Opened or Settled
If the owner passed away and probate hasn't been filed the person you're talking to may not legally be able to sell. Ask who has legal authority.
🏘️ HOA Delinquency Over $10,000
Large HOA balances can kill a deal or eat into any profit. Always ask if there's an HOA and if they're current.
🔥 Severe Structural Damage or Fire Damage
Foundation issues, fire damage, mold, or flood damage that makes the property uninhabitable changes the numbers significantly. Escalate to Fabe immediately.
👥 Multiple Owners Who Disagree
If there are 2+ owners and they don't all agree to sell, the deal cannot move forward. All owners must sign.
⚠️ Proceed With Caution — Text Fabe First
💧 Flood Zone Property
Not a deal killer but changes the buyer pool and insurance costs. Flag it for Fabe before quoting anything.
🏚️ Condemned or City Violations
City violations and condemnation notices need to be resolved or factored into repair costs. Get the exact violation list.
📋 Active Bankruptcy Filing
If the seller is in active bankruptcy the property is controlled by the court. They need bankruptcy attorney approval to sell.
🔑 Tenant Occupied with Long Lease
Tenants with long leases limit what we can do with the property. Find out lease terms and when it expires.
💰 Second Mortgage or HELOC
A second mortgage behind the first changes the T.O.P. structure significantly. Always ask if there's more than one loan on the property.
💡 When in doubt — don't promise anything. Tell them you'll look into it and get back to them. Then text Fabe right away.
Simple definitions for terms sellers and your team will ask about.
🇺🇸 English Terms
Subject-To (Sub-To)
Buying a property while leaving the existing mortgage in place. We take over the payments but the loan stays in the seller's name until we refinance or sell.
T.O.P. — Take Over Payments
Our brand name for Subject-To. We take over the seller's monthly mortgage payment so they can walk away without paying it anymore.
Equity
The difference between what the home is worth and what is owed on it. If the home is worth $200k and they owe $150k, they have $50k in equity.
ARV — After Repair Value
What the property would be worth after all repairs and updates are made. Used to calculate our maximum offer.
Lien
A legal claim against a property for money owed. Examples: mortgage, tax lien, HOA lien, contractor lien. Must be paid or resolved before or at closing.
Title
Legal ownership of a property. Before any sale closes a title company checks that the title is clean — no outstanding liens, disputes, or ownership issues.
MAO — Maximum Allowable Offer
The most we can pay for a property and still make the deal work. Formula: (ARV × 70%) − Repairs − Fee.
Probate
A legal process when someone dies and their estate (including property) is distributed. Property in probate cannot be sold without court approval.
Foreclosure
When a bank takes back a home because the owner stopped making payments. Once foreclosure is complete the owner loses the home and takes a major credit hit.
Underwater / Upside Down
When someone owes more on the home than it's currently worth. They have negative equity. T.O.P. is usually the best option here.
Cash Offer
We buy the property outright with our own money — no bank financing needed. Allows us to close fast, usually in 7-14 days.
Due-on-Sale Clause
A clause in most mortgages that technically allows the bank to demand full repayment if the property changes hands. In practice banks rarely enforce it on performing loans.
🇲🇽 Términos en Español
Alivio de Pagos
Nuestro nombre para el programa donde tomamos los pagos de la hipoteca del vendedor. El vendedor se va libre sin seguir pagando.
Valor Neto (Equity)
La diferencia entre lo que vale la casa y lo que se debe. Si vale $200k y deben $150k, tienen $50k de valor neto.
Gravamen (Lien)
Una deuda legal atada a la propiedad. Ejemplos: hipoteca, impuestos atrasados, deudas del HOA. Deben pagarse antes o en el cierre.
Título de Propiedad
El documento legal que prueba que alguien es dueño de la propiedad. La compañía de título verifica que esté limpio antes del cierre.
Ejecución Hipotecaria (Foreclosure)
Cuando el banco le quita la casa al dueño por no pagar la hipoteca. Afecta el crédito gravemente. Nuestro programa puede evitar esto.
Al Día / Atrasado
Al día significa que los pagos están corrientes. Atrasado significa que se deben uno o más pagos y el banco puede iniciar el proceso de ejecución.
Oferta en Efectivo
Compramos la propiedad con nuestro propio dinero, sin banco. Esto nos permite cerrar rápido, normalmente en 7 a 14 días.
Bajo el Agua (Underwater)
Cuando se debe más de lo que vale la propiedad. El programa de Alivio de Pagos es generalmente la mejor opción en este caso.
What happens after a seller says yes — step by step to closing.
📋 After Seller Agrees — Your Steps
1
Text Fabe immediately with the seller's info
Name, address, what they owe, what they agreed to, and any notes from the call. Don't wait — do it right after the call.
2
Confirm the seller's availability for a walkthrough
Fabe or a team member needs to see the property before the contract is signed. Ask what days/times work.
3
Send the confirmation text to the seller
Recap the conversation, thank them, let them know next steps. Keeps them warm and reduces fall-through.
4
Log the lead in Podio CRM immediately
Property address, seller name, phone, email, situation, and outcome of the call. Never rely on memory.
🤝 Fabe's Steps After Handoff
5
Property walkthrough / inspection
Fabe or contractor assesses repairs needed. Confirms ARV and finalizes the offer numbers.
6
Purchase contract signed by both parties
Legal contract outlining the terms — price, close date, program used (T.O.P. or cash). All owners must sign.
7
Title company opens escrow
Title search begins. They check for liens, HOA balances, tax issues, and verify ownership.
8
Title clears — closing date set
Once title is clean the closing is scheduled. Seller is notified of final date, time, and location.
9
Closing day — seller signs documents
Seller signs at the title company. Keys are handed over. If cash at close is part of the deal the seller receives it here.
10
Deal closed — ask for a review and referral
Ask the seller to leave a Google review and refer anyone they know who needs help. This is your best source of new leads.
❓ What to Tell Sellers Who Ask "What's Next?"
"The next step is we'll schedule a quick walkthrough of the property so we can confirm the numbers on our end. After that we put together the contract and get everything over to the title company. From there it usually takes about 2 to 3 weeks to close. You'll have a point of contact the whole way through and we'll keep you updated at every step."
💡 Sellers fall through when they feel ignored after the initial call. A quick check-in text every few days between contract and closing keeps the deal alive.