If they object Ask why. When they tell you why...
If they say: "But we don't own it free and clear" -That doesn't matter. They can create an All Inclusive Trust Deed (A.I.T.D.) or what is also known as a "wrap". It's like a circle within a circle. And if they say "but there is a due on sale clause" then they can deed the property into a trust named the same as their last name then their trust can sell you the property and the bank would have a hard time having the legal grounds to call the loan. The banks have bigger fish to fry- if it isn't broken why fix it right? I would have a hard time believing that they would call a loan that's fine when they have so many foreclosures going on.
And if they say: "But we want cash, we don't want to wait for our money"
That's where I come in: I am an investor that buys these kind of loans.
And I show property sellers how to sell their house faster by discounting their well created promissory note instead of discounting the property.
If they have any questions they can call me 9-5 m-f PST