As I stroll through the internet I have seen a lot of discussion regarding "Subject To". What exactly is this? Are their different kinds?

Have any of you had experience with this?


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A "subject to" mortgage is where you take over ownership of a property and assume the current mortgage payments until refinanced or payed off in full.

The person usually deeds you the property and then it is up to you to get full control of the property from the bank.

This often happens when people no longer care about the property, or their credit.

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