Contracts

A 'novation' in a real estate contract occurs when:

AA new party is substituted for an original party, releasing the original party from further obligation✓ Correct
BThe contract terms are modified by addendum
CAn existing loan is refinanced at a lower interest rate
DThe seller agrees to carry back a second mortgage

Explanation

Novation substitutes a new party (or new contract) for an original one, with the consent of all parties, and fully releases the original party from liability. In real estate, a novation often occurs when a new buyer assumes a loan and the lender releases the original borrower.

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