Subject-to means a buyer takes over the property while an existing mortgage stays in place under agreed terms. It is one creative tool—not a fit for every house.
Why some sellers explore it
- Low equity situations
- Need relief from payments
- Want a path besides lowball cash
What to demand
Full written disclosure, attorney-reviewed documents, and a clear plan for payments and title. Never sign under pressure.
We explain cash and creative options in plain English for Knoxville-area owners. Creative solutions · Talk with us.