Wikipedia:Articles for deletion/"Subject To" Mortgage

The following discussion is an archived debate of the proposed deletion of the article below. Please do not modify it. Subsequent comments should be made on the appropriate discussion page (such as the article's talk page or in a deletion review). No further edits should be made to this page.

The result was Merge & Redirect. The merge, however, will be a hack job cut-n-paste since I know very little about this kind of stuff... — Scientizzle 20:01, 5 July 2007 (UTC)

[edit] "Subject To" Mortgage

"Subject To" Mortgage (edit|talk|history|links|watch|logs) – (View log)

This is WP:OR fork from mortgage. The "subject to" is not actually a mortgage product but a non-notable deduction from the purchase price of home, such an assignment of an exisiting mortgage, loan or other liability. Gavin Collins 21:46, 26 June 2007 (UTC)

• Note: This debate has been included in the list of Business-related deletions. —Gavin Collins 21:48, 26 June 2007 (UTC)
• Delete per nom. Mortgage assumptions are actually quite common (at least here - about 40% of mortgages are assumed) and not a big deal. It could take up one small paragraph of the mortgage article; why does it need its own article? --Charlene 22:32, 26 June 2007 (UTC)
• Merge at least portions of this text to mortgage and redirect. The mortgage article needs a section on transferability generally, that covers the rights of both the lender and the borrower to assign or convey their respective rights under the document and the security. - Smerdis of Tlön 14:05, 27 June 2007 (UTC)
• Merge and redirect to mortgage, per Smerdis of Tlön. No need for a seperate article.--JayJasper 14:13, 2 July 2007 (UTC)
• Merge and redirect to mortgage. The article has no references and no apparently useful material. It gives no insight as to why the effective assumption of a non-assumable loan could be considered legal, or why the previous borrower should be allowed to trade away a pledged security. The main article Mortgage should be able to deal with this issue. I'll join in the call for a merge, to simplify the closing. Note that the first three commenters seem to have different ideas of what a "Subject to" mortgage actually is, so it can't be a totally simple concept. I like Smerdis of Tlön's suggestion for a new section in Mortgage to explain transferability. EdJohnston 04:16, 5 July 2007 (UTC)

The above discussion is preserved as an archive of the debate. Please do not modify it. Subsequent comments should be made on the appropriate discussion page (such as the article's talk page or in a deletion review). No further edits should be made to this page.