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Updated almost 10 years ago on . Most recent reply
HELP!!!! Assuming a loan, subject to, in Baltimore, MD
Hey BP Fam,
I have a property owner that is willing to let me assume his loan. According to the rental numbers provided by the owner, the property cash flows at about 2.8% of rents and is currently 100% occupied. Does anyone know of any realtors/lawyers/cpas in Baltimore, Maryland that handles these types of transactions? I spoke to my real estate lawyer and he said he doesn't do them because there is no insurance/protection for buyer.
Any assistance provided is greatly appreciated.
Thanks!
E. Harris
Most Popular Reply
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An assumption is where you work with the lender to officially become the borrower. Subject to is off the books and lender is kept unaware of what you've done. You'll probably find more attorneys willing to do an assumption than a subject to, so be sure what you're asking for.