I am trying to pay off my mothers refinance loan and my banker told me I would need a contract stating she is selling me the home, so I need to know what or how it will need to be worded.

I put she refinanced but it is a home equity loan and the banker said I needed to have a contract stating she wants to sell the home so I need to know how to word or what needs to be stated.

Get a state approved contract for sale of a house. Staples and other similar stores have them in stock.

You need to keep responses on your original thread instead of creating new ones.

If you are trying to get the mortgage in your own name, that'st NOT a refinance. And, yes, she has to sell the house to you. Any real estate agent can draw up a simple contract of sale. But then the property will now be deeded in your name.

Is the problem that she won't qualify for a refinance? Can you simply co-sign the mortgage?