Assuming loans in Georgia

[Josh Griffeth]

I'm brand new to real estate investing so thank you in advance for your help.

My question is, can I assume a mortgage on a home in Georgia if the seller is behind on payments and headed toward foreclosure? I've read all about and watched videos about how to purchase properties "subject to" the existing mortgage and how each author or youtuber insists YES you can do it but I've been told by an agent in Georgia today that I can not. At least not without going through the application process with the mortgage company. SURELY there is a Georgia investor here that knows what I'm referring to when I say "subject to" and all the hype about it. I have a house under contract and time is of the essence. Thank you in advance!!!

Josh