Buyers should carefully review the terms of the loan acceptance agreement and any other documents required by the lender to ensure that changes to the terms of the loan are accurately described in the acceptance documents. Many provisions can be negotiated. Traditional loans are generally unsustainable because they almost always include a “maturing sale clause” in their loan documents that requires the mortgage to be repaid when ownership is transferred. Virtually every mortgage that has been taken out in recent years includes a clause on the maturity of the sale; This is the standard procedure for most major banks and credit unions. Buyers and sellers have reason to consider a mortgage takeover agreement. The main attraction for buyers is the possibility of a lower interest rate than is otherwise available with a new loan. The interest rate remains the same when a mortgage is accepted. . . .