Who is dos guard for?
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Buyers
DOS Guard provides peace of mind for your subto real estate purchase by reducing the risk of loan acceleration, and by fighting for you if the due on sale clause gets called.
We have a track record of defeating the due on sale clause.
Sellers & Agents
DOS Guard makes it safe to sell subject to the mortgage. Our paperwork and processes to reduce risk of due on sale in the first place, and we have a track record of resolving due on sale for properties around the country.
Demand DOS Guard.
Private Money Lenders
In subto transactions, your money is the last to get paid out (if at all) if the due on sale clause takes down the deal. Your borrower rarely has much skin in the game, so they should pay to protect yours.
Demand DOS Guard in all your subto lending deals.
Wholesalers
Close more deals with a clear conscience by leveraging DOS Guard to protect your sellers from the due on sale clause.
Just add it to your purchase contract that DOS Guard must be used at closing.
Transaction Coordinators
The world needs you to get certified and make sure deals are done right so people can dodge the due on sale clause.
Working with DOS Guard allows you to be a part of the change that's been needed in the real estate industry for decades.
Title Partners
DOS Guard partners with title companies and closing attorneys to provide DOS Guard at the closing table. Adding DOS Guard to your closings is the ethical way to close subto deals.
Buyer
choose one
Buying subto?
Time is critical.
DOS Guard is only available before closing.
Review the plans now to get started.
Already bought subto
The due on sale clause is hanging over your head.
We want to help you.
In Q1 2025, we're launching our DOS Guard for your already-closed deal.
🏃Get Ahead of the Game
Sign up for the waitlist, and be the first to get DOS Guard for existing deals.
Get a 10x return
Show us you're serious with a $20 deposit, and receive a $220 credit toward DOS Guard.
Do the deal right
Using DOS Guard certified partners reduces risk of due on sale.
How? Our trained people use the right paperwork and processes.
Operate safely with best practices
As a DOS Guard member, you'll have access to our best practices for bank communications, insurance, use of your power of attorney, and more.
Dodge the Due on Sale
If the due on sale still strikes, connect with DOS Guard and we'll help get it fixed. We have a track record of defeating loan accelerations.
Already closed?
You can order a DOS Ready Assessment (page coming soon - book a call) any time after a deal is closed. A portion of the assessment fee will be credited towards DOS Guard coverage if deemed eligible for coverage.
Sellers & Agents
choose one
As a seller, are you considering a subto offer?
DOS Guard is the only solution of its kind on the market.
Buyers want to buy your interest rate, and who can blame them? But it's important that your buyer protect you by following best-practices. That means they don't ignore the due on sale clause, because failure to stop a due on sale will damage your credit.
DOS Guard was founded because we've bought and sold subject to our own mortgages, and we've fixed due on sale for many buyers and sellers just like you. We know the questions, we understand the concerns, we've been there.
And we've built an independent solution you can trust so you don't have to put your full faith in your buyer.
As an agent, are you receiving subto offers?
It is literally your duty to help your seller understand the implications of the offers your seller is receiving before making recommendations.
You must either become the expert or find one. Most agents aren't foundation or mold experts, but the good agents always know someone who is. Your job is to be an expert at knowing experts so your clients make informed decisions.
If you're receiving creative finance offers (subto, seller finance, contract for deed / land contract, lease option, or wrap mortgage), book a call so we can help you help your seller.
Already bought subto
The due on sale clause is hanging over your head.
We want to help you.
In Q1 2025, we're launching our DOS Guard for your already-closed deal.
🏃Get Ahead of the Game
Sign up for the waitlist, and be the first to get DOS Guard for existing deals.
Get a 10x return
Show us you're serious with a $20 deposit, and receive a $220 credit toward DOS Guard.
PMLs
choose one
Lending in 2nd position?
... or 3rd?
Subto deals are often over-leveraged.
And when your money is what's at stake, you need a reputable team in your corner.
Your ability to foreclose likely won't get your money back, because you're last in line to get paid.
DOS Guard provides the experience and guidance needed to keep subto deals on track so the deal has time to mature and perform.
If your borrower can't afford to handle due on sale in the moment at $4K, guess who's paying for it anyway? Yes, you.
DOS Guard Complete is the only pre-paid due on sale remediation plan. Demand DOS Guard protection, add it to the loan balance, and earn interest on the charge.
Already bought subto
The due on sale clause is hanging over your head.
We want to help you.
In Q1 2025, we're launching our DOS Guard for your already-closed deal.
🏃Get Ahead of the Game
Sign up for the waitlist, and be the first to get DOS Guard for existing deals.
Get a 10x return
Show us you're serious with a $20 deposit, and receive a $220 credit toward DOS Guard.
Wholesaler
Close more deals, honestly
DOS Guard is the ultimate objection response for sellers and agents.
It's your ticket to more contracts and sleeping like a baby.
Just put this in your contract and get that deal under contract:
"To manage the risk of due on sale, Buyer shall purchase DOS Guard coverage at COE."
Common Seller Objections
What about the due on sale clause?
But the loan will stay in my name...
My credit is still on the line, right?
I don't want to give you my loan login.
Subto is illegal.
How will I get a loan to buy another house?
Common Agent Objections
What if the lender exercises the due on sale clause?
My seller’s credit is at risk if buyer defaults.
I'm not sure subto is legal...
What about my reputation and fiduciary duty if the deal goes wrong?
I don't know how to explain subto to my seller. I don't want to sound out of my depth.
How does my commission work with subto deals?
Are there title companies that can close subto deals?
Transaction Coordinator
Be part of the solution
As a TC, DOS Guard is available through trusted partners like you.
And we don't trust just anybody... We have a rigorous certification process to ensure our clients are well-informed and properly protected.
As a DOS Guard certified TC, you’ll be part of an elite network helping people manage the risk of the due on sale clause. Our clients get peace of mind in subto creative finance deals. When you get certified join you’re making every deal you touch more ethical, reliable, and successful.
For your involvement, you earn a portion of the DOS Guard fee.
Get DOS Guard certified and level up how creative subto deals are done.
Why Get Certified with DOS Guard?
Earn Commission: Increase your income by adding DOS Guard to your services lineup and earning a commission on each deal you facilitate.
Be the Ethical Choice: DOS Guard certified TCs are trained to put clients’ needs and security first. Stand out as a TC who brings additional value to every deal.
Excellence by Association: DOS Guard partners only with those who prove they can uphold the standard we're setting, so you'll be among a trusted group providing exclusive protection and value.
What You’ll Get
Prestige and Credibility: DOS Guard certification demonstrates that you’re a leader in your field, equipped with the knowledge to mitigate risk and protect your clients’ interests.
Continued Education: DOS Guard-certified TCs receive regular updates, exclusive resources, and access to expert insights so you’re always ahead of the curve.
Client Peace of Mind: By offering DOS Guard, you give clients confidence in the transaction process, showing them that you’re there to ensure they’re protected.
If you're not covered, you're exposed.
And if you're exposed, you're hosed.
Copyright 2025. DOS Guard. All Rights Reserved.
*Disclaimer: Claims of risk reduction are subjective and based on the observations and best-practices established by DOS Guard and its affiliates. DOS Guard cannot guarantee that due on sale events won't occur. DOS Guard provides consultation based on experience with due on sale events, which may vary significantly from your own circumstances. Results for remediation services may vary based on individual circumstances, lender policies, and other factors outside DOS Guard's control.