Catherine BellEmpowering Women to Create Financial Freedom Through Passive Income, Real Estate, and Social Impact

Buy a House With NO MORTGAGE? Subject To Explained! #shorts

24 Jul 2026 · 1 min

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In this short video, the speaker explains the "subject to" real‑estate financing method. The seller (Catherine) keeps the mortgage in her name while the buyer takes over the monthly payments. The transaction is typically facilitated by a title company to ensure proper handling. The speaker highlights that this creative financing option is useful when the buyer cannot qualify for a traditional mortgage or prefers not to obtain one, and clarifies that a subject‑to deal differs from a loan assumption, which is a separate financing approach.

Chapters

It would be an opportunity. Catherine owned a house and she wanted to sell it and was willing to have me come in and have it be subject to. So the loan would stay in her name. I would take over making the payments. She would— it's usually done through a third party, a title company or whatever to ensure that. But it is a creative financing vehicle. If you were not able to, if I was as the buyer, not able to qualify for my own mortgage, or didn't want it, but like there's a lot of reasons for subject to, but it's, you're taking over the payment of it, which is distinct from assuming the loan, which I think is the third one. So