Equity Holding Trust™

Our Equity Holding Trust™  helps homeowners to quickly be rid of a troubled property using a safe, legal and effective method called Deed-To-Trust™. With this simple process, the homeowner grants the deed to a professional non-profit trustee, and retains a beneficiary interest in the trust, thereby protecting their remaining interest in the property and eliminating the potential for fraud.

Primary Benefits

Fast Relief From Burdensome Properties

Homeowners quickly and easily transfer a property into bona-fide title-holding trust under the legal and financial protections of a 501c-2a non-profit trustee.

A fast, safe alternative for homeowners who are not eligible for lender-assisted loan mods or government-sponsored foreclosure rescue plans.

If your house qualifies, HousingNC can quickly stop pending foreclosure, short sale or other default action, relieve you of past-due mortgage payments and mitigate damage to your credit.

Title Protection

Deed-To-Trust™ is the only legitimate method of seller-assisted financing that offers protection from title disputes by predatory investors.

Without question, the biggest risk to distressed sellers today are predatory investors offering to “buy” houses “Subject-To” the current mortgage.

These investors convince a buyer to sign over the deed to their house, with the promise they will make the payments to the bank.

Not only does this scheme violate all current mortgage regulations, in that such a transfer of the deed without paying off the mortgage violates the lender’s Due On Sale clause, it puts the seller at risk of a long list of legal issues, chain of title disputes and other problems.

Deed-To-TrustPROTECTS YOU from all of these potential dangers.

Deed-To-Trust™ Protects Sellers From These Common Risks of Seller-Assisted Financing:

Due On Sale Violation: When the investor/buyer records the new deed, any lien holder (ie the mortgage company) will be notified of the transfer, which can — AND DOES — result in the lender calling the entire loan balance due. Do not fall for the lie that “lenders never exercise a Due On Sale Clause.”

Equity Skimming: When a seller transfers the deed to an investor who “promises” to make the mortgage payment, then sublets the property and keeps the rental income without paying the mortgage.

Bankruptcy: The seller tranfers the deed to an investor/buyer who later declares bankruptcy, the seller has little to no recourse.

New Debt and Legal Liens: After the seller transfers the deed, any investor can put new debt on the property or incur liens and legal judgements which attach to the property.

Under Insured or No Insurance: An unscrupulous investor can fail to property insure the property, putting the owner/seller in extreme financial and legal jeopardy in cases of personal injury suits and/or property damage.

Deed Re-Assignment: Investors often sell (re-assign) their their interest in a property to a third party, leaving the seller with no contact to the property, and no virtually recourse in case that party stops paying any underlying mortgage.

Judicial Foreclosure: In cases of default on Land Contracts (Contract For Deed) or poorly documented types of Lease Purchases wherein the buyer has an equitable interest in the property, the seller would be forced to repossess the property via protracted judicial foreclosure.


Deed-To-Trust™ is based on the centuries old title-holding trust and is used in all 50 states.

Deed-To-Trust™ is fully compliant with all Federal Laws, Government Fair Housing and Banking Regulations and does not violate a lender’s due on sale clause.

Fast approval, documentation preparation and closing process at no cost to the homeowner. The whole process can take less than two weeks.

Deed-To-Trust™ requires no lender or government agency involvement, notifications or approvals. 

Peace of Mind

A housing crisis can take a serious toll on a family. Our goal is to make the transition as hands-off and stress-free as possible.


Deed-To-Trust™ saves defaulting homeowners from the long-term emotional and financial damage of having a foreclosure appear on their credit profile.


Housing NC becomes “co-beneficiary” of the trust and assumes 100% responsibility for the property’s debt, taxes, maintenance, and all associated expenses.


All payments made to existing lenders are managed by an independent, licensed and bonded loan servicing company using strict record keeping and accounting practices that are subject to audit.