Subject To for Primary Residence?

[Peter Shin]

Hello there, 

I'm a fairly new investor and have questions about using subject-to financing for a primary residence. I currently live in a two-story home in North Dallas and recently saw a sign come up in my neighborhood for a one-story home that we originally wanted. The home originally sold for 1.3M (during the peak of 2022) but is currently listed at 1.1M. When speaking to the listing agent, she could not tell me any information on his financing situation and only stated that the seller knew he would be selling his home at a loss. At current interest rates, the new mortgage would be more than our current home to move into this smaller house. If the numbers make sense, we would like to keep our current home as a LTR/MTR. When bringing up subject-to as an option, the agent kept stating that his loan was un-assumable and that there was nothing more outside of traditional financing that could be done. I felt like I wasn't making any progress with the agent so I wanted to speak with the seller directly. I was able to find out his contact information pretty easily with a simple google search. 

So my questions are:

1. Am I doing anything illegal/violating anything by speaking to the seller directly? I'm not a real estate agent.

2. Can someone provide me with some resources (i.e lawyers, title companies, etc) on how to do sub-to deals in Texas?  

3. Anything else I may need to consider/that I overlooked?