This is a tall order, because for the seller to be able to do this they have to have the property paid off. The easiest way to do this is to find a realtor in Pampa willing to work with you. There probably won't be a huge selection of houses available where this will work, but occasionally we find some. Sometimes these deals are really tricky...in most cases you don't want to do "contract for dead" which was common some years ago. If they are credit challenged the owner may want to charge a higher interest rate as well. I'd suggest they rent for a couple of years, focus on their credit, pay off bills, and save for a down payment. Once they do this then they should be ready for bank financing and can likely get a better house, with a better interest rate, and set themselves up to be in a better financial position.