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When buying an existing home, taking over a mortgage can be practical and profitable. But be cautious. Don’t lake for granted that assigning the mortgage to another is automatic.
The lender has a stake in who's going to repay him. Many mortgages are written which specifically prohibit this practice without the consent of the mortgage lender. The teeth will be found in an inserted acceleration clause which makes the whole balance due u and payable upon sale.
The bank can activate or waive this clause depending on the credit
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