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What does the term "subordination" mean in the context of mortgage lending?

General Mortgage Knowledge · 20% of the SAFE exameasy

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Correct answer: The process of one lien holder agreeing to take a lower priority position behind another lien

Subordination is a legal process where a lien holder agrees to accept a lower priority position. For example, when a borrower refinances their first mortgage but keeps their HELOC, the HELOC lender may need to sign a subordination agreement to remain in second position.

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