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What is Subject To? | Beginners Guide for Real Estate Investing (2025) A “subject to” real estate transaction is when a buyer (often an investor) agrees to purchase your home subject to the existing mortgage remaining in your name.

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Subject-to loans, also known as subject-to financing or taking over the existing mortgage, are a type of real estate investment I would never accept a subject-to offer. But if you consider it, PLEASE go talk to a local real estate attorney and have them vet the contract before you sign What is Subject to in Real Estate | Explained 🏠 📄 🏦