Talk to an experienced local Realtor in your area, ask him/her to refer you to a lender. Realtors who have been in the business for a while have lots of connections to lenders, and will refer serious buyers to ones that they know are good and honest. Best of Luck... more
No one will be able to answer that question without looking at your AITD. If I am to assume the wrap loan was a short term like 5 years and is now due with a balloon payment, Then you can either re-negociate with the holder of the Wrap (AITD) or refinance the property. This is also asuming you recorded the properrty in the new buyers name at the time you did the AITD. To refi; the home obviously has to be in the persons name who is financing. A purchase loan is when you are purchasing, you are not, if you are already on title.
Call a lender in your area, they can check it out for you very quickly.
Prudential CA Realty