How do I buy my mom's house?

My husband and I want to buy my mother's house from her. She bought it a few years ago and still owes about 140k. We don't want to go through a real estate agent, because they will charge my mother for "selling" the house. Is there any way to just transfer her loan to us without using an agent? Do... show more My husband and I want to buy my mother's house from her. She bought it a few years ago and still owes about 140k. We don't want to go through a real estate agent, because they will charge my mother for "selling" the house. Is there any way to just transfer her loan to us without using an agent? Do we just contact the bank?
Also, would NACA be an option?
FTR, my mother wants to sell the house to downsize; she is not in any financial trouble.
5 answers 5