1. Finding a Motivated Seller Scenario: A homeowner, let’s call her Sarah, is struggling with payments on her property due to financial hardship, divorce, or other personal reasons. Sarah needs to sell the house quickly but does not have the equity to sell it traditionally. She’s open to a Subject-To offer because it allows her to walk away from the property without worrying about paying off the remaining mortgage balance. Key Point: The seller is motivated to sell and wants to avoid foreclosure or keep their credit intact. This creates an opportunity for the buyer. 2. Analyzing the Property and the Existing Mortgage Scenario: Sarah’s home is valued at $200,000, and she still owes $180,000 on her mortgage. The interest rate on her mortgage is 4%, and there are 20 years remaining on the loan. Key Point: The buyer needs to determine the current market value of the property, the remaining mortgage balance, and the mortgage terms. In a Subject-To deal, the buyer takes over the existing loan payments without assuming the loan personally. This means the original loan remains in Sarah’s name, but the buyer will be making the mortgage payments directly. 3. Structuring the Offer The buyer makes an offer to Sarah: • Offer Price: $200,000 (the market value of the home) • Mortgage Balance: $180,000 (the current amount owed) • Monthly Payments: The buyer agrees to take over Sarah’s monthly mortgage payments of $1,200 (including principal, interest, taxes, and insurance). Key Point: The offer is structured in a way that the buyer does not need to get new financing. Instead, they continue to make payments on Sarah’s existing mortgage. The buyer takes ownership of the property “subject to” the existing financing. 4. Signing the Agreement The buyer and Sarah sign a Subject-To Agreement, which typically includes: • Deed Transfer: Sarah transfers the deed of the property to the buyer, making them the legal owner. • Mortgage Continuity: Sarah’s mortgage remains in her name, and the buyer agrees to make the payments on her behalf.

Since the dawn of the home loan banks have ruled the market and made trillions of dollars off interest on homes. On a $300,000 home loan with a modest 3% interest over 30 years the bank collects over $155,000 in interest alone. In total after 30 years you bought your house for a grand total of $455,332! Subject To and seller finance are turning the tables on the banks, growing rapidly, allowing ass busting everyday Americans to sell their homes on non traditional loans to take back their financial future and curve the overbearing burden of massive interest.