SHIFT Into Ownership
Our Mission
We guide students through a process called creative financing—a legal and proven way to move into a home without needing a new loan, big down payment, or high credit score.
Instead of paying rent to a landlord or staying in crowded student housing, you’ll live in a real home—and start building equity while still in school.
We walk with you every step of the way, from understanding how it works to helping you find the right property and protect your interests.
What is Subject-To Financing?
Subject-to financing is a creative real estate strategy where a buyer takes over the monthly mortgage payments on a home, but the mortgage loan stays in the seller’s name.
The buyer (in this case, the student) gets to live in and control the property—often with little to no money upfront—without applying for a new loan or using their credit.
It’s legal, commonly used by real estate investors, and with the right guidance, it can be a powerful tool to access homeownership sooner than traditional methods.
What SHIFT Does for Students
SHIFT makes this process simple, safe, and student-friendly by guiding you through each step:
- ✅ We match you with homeowners who are open to this type of arrangement
- ✅ We help you use your financial aid refund to make monthly payments
- ✅ We educate you on how subject-to financing works and what to watch for
- ✅ We connect you with a team of professionals to protect your rights
- ✅ We support you as you take control of a home and start building equity—without needing a new mortgage, high credit, or a large down payment