Legal & Title Overview
All transactions facilitated through Subto Sell are closed with licensed third-party title agencies and loan servicers.
1. What is a "Subject-To" Transfer?
In a "Subject-To" transaction, the legal title and ownership of real property transfer from the seller to the buyer, while the existing mortgage financing remains in place under the original loan terms. The buyer contractually agrees to make all ongoing principal, interest, taxes, and insurance (PITI) payments.
2. Licensed Title Escrow Execution
Subto Sell does not hold buyer or seller funds directly. Every closing must be processed through an independent, insured, licensed title company or closing attorney experienced in creative real estate transactions. Escrow conducts a full title search to identify any secondary liens, tax liabilities, or encumbrances before deed conveyance.
3. Third-Party Loan Servicing
To guarantee full transparency and protect the seller's credit rating, buyers are required to set up automated payments through an independent licensed loan servicing agency (e.g., Weststar, LoanCare, or equivalent). The servicer collects funds from the buyer and directly disburses monthly payments to the original institutional lender.
Need closing assistance or have attorney inquiries?
Our network coordinators are available to answer closing questions and provide standard creative financing documentation packages.