Buy A Home Without Qualifying, “Subject-To The Existing Mortgage”

Making an offer “subject to the existing mortgage”  is one of the best ways to buy a home if you can’t qualify for a new mortgage loan. Simply put, a buyer and seller agree that the seller will allow the buyer to take over the seller’s mortgage payment. Usually done for a period of one, 

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Real Estate Investing Strategies: Buy or Sell Subject-to The Existing Mortgage

In recent years buying property subject-to the existing mortgage has not been a “mainstream” strategy for real estate investors. Even so, it is a perennial favorite with “no cash no credit” buyers who want to buy a home but cannot or do not wish qualify for a traditional mortgage loan.

Financing Your Next Home Purchase Without Credit Or Qualifying – Part 2

Read part two of our multi-series exploring new and creative ideas for financing your home purchase, that could get you out of a spot even if you’ve recently been through a foreclosure or short sale.

How To Write “Subject-To” Offers

A “subject-to” offer simply means that the buyer is willing to purchase a piece of property “subject-to” some specific circumstance. Usually that circumstance will be the sellers existing mortgage. It can also be a variety of other things, but in most cases it’s always a bit of a gamble for the seller…

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