In today’s high-interest rate environment, savvy buyers and investors are looking for creative ways to finance real estate without paying 7%+ on a new mortgage. Two powerful options are Subject-To financing and Assumable Loans—but they’re often misunderstood or confused with each other.
At The Hegney Group, we specialize in creative deal structuring across San Luis Obispo County, helping sellers, buyers, and investors take advantage of existing low-interest loans. In this post, we’ll break down Subject-To vs. Assumable Loans—the differences, pros, cons, and when each strategy makes the most sense.

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CJ Hegney at The Hegney Group consistently nets sellers 5–6% more than other agents, effectively making his commission the lowest — and he guarantees he pays for himself.