What does the term "subject to a mortgage sale" mean for the grantee taking title to the property?

The phrase "subject to a mortgage sale" indicates that the grantee takes title to the property but does not assume personal liability for the mortgage debt attached to it. This means that while the property is still encumbered by the mortgage, the grantee is not responsible for making payments to the lender or for repaying the mortgage; the original borrower (grantor) remains liable to the lender.

In this context, the grantee takes ownership of the property and the benefits that come with it but does so without the obligation of being directly accountable for the mortgage payments. The lender retains the right to foreclose if payments are not made by the borrower, but the grantee has a vested interest in the property itself, often hoping that its value will increase.

The other options imply varying levels of obligation to the lender that do not align with the concept of taking title "subject to," which distinctly separates the grantee's liability from the mortgage itself.