Your mom needs to get her own mortgage or pay cash for the home if she wants to buy. Although very few types of mortgages are of the assumable type, most sellers wouldn't ant to deal with the hassle and the intricate details of having someone assume the mortgage

Also, most mortgages have a due on sale clause, meaning if the owner sells the property the loan is payable immediately. Besides, that mortgage is a lien on the property and the buyer wouldnt be able to obtain clear title without that mortgage being paid off.

The woman who has the mortgage on the home your mom wants to buy will have to pay off the mortgage balance when your mom closes on the home. This is a normal real estate practice as most mortgages are not assumable by the new home owner. If your mom is not paying all cash for the home, she will need to obtain her own mortgage.

Bob & Richelle Ward
Prudential Connecticut Realty
rward@prudentialct.com