Subject To, Winston‑Salem, NC

HomeServicesSubject To, Winston-Salem, NC

We can help you successfully close on a subject to loan.

As the name suggests, a subject to mortgage is a mortgage subject to another existing mortgage. In a subject to deal, the seller is not paying off their existing mortgage, but having a new buyer pay off their existing financial obligations. Throughout the duration of these loans, the buyer will continue to make payments to the seller, who will then pay off the mortgage, eventually securing the deed to the property.

Subject To in Winston-Salem, North Carolina

Although subject to loans are not incredibly common, they can be beneficial in certain situations. For example, a distressed seller may be willing to go through with a subject to loan if they want to alleviate themselves of a property immediately. Comparatively, buyers may prefer a subject to loan when the interest rate on an existing loan is lower than rates in the current market.

Although subject to loans are uncommon, our closing firm at Innovative Closing Solutions has plenty of experience working on them for buyers and sellers throughout the Winston-Salem, North Carolina area. Trust us to carefully put together all documentation for the closing process and ensure that whether you are a buyer or a seller, your rights when coming into one of these agreements are protected.

Our knowledge of the intricacies of real estate law, including with subject to loans, make us your best option for closing on your upcoming loan. If you have any questions about closing on an upcoming loan and how we can help, please reach out to our firm.


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