Subject-To financing is a real estate strategy where a buyer purchases a property while the seller’s existing mortgage remains in place. Rather than immediately paying off the existing loan, the buyer agrees to make the existing mortgage payments accordingto the terms of the agreement.

This option can sometimes benefit homeowners who have little equity, low-interest mortgage rates, need payment relief, or are looking for an alternative to a traditional sale.

Subject-To transactions are not appropriate for every situation, and they require proper documentation and a clear understanding between everyone involved.

At Creative Open House, we believe education comes before decisions. If Subject-To financing appears to be a possible solution, we’ll explain exactly how it works, discuss both the advantages and considerations, and help you determine whether it’s the rightfit for your specific situation.

Our goal is never to pressure homeowners into one solution. Our goal is to make sure you understand every available option so you can confidently choose the one that best supports your goals.