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how do i get note from someone who wants to sell there homes but still owes the bank.
Hello James! It is possible to purchase a property with owner financing wherein the transaction is subject to the seller’s underlying bank loan. This is also known as a wraparound, or all inclusive trust deed in some states. It does come with certain risks including the bank calling the note all due and payable. For more details please read the article on our site entitled Wraparounds with Underlying Liens. There is also a full chapter dedicated to this subject in Personal Profit Series: Notes along with outside servicing contacts to safeguard timely payments. We also recommend seeking the advice of an attorney or title company in your area.