Taking over loan payments from on a FSBO Deal

[Raphaela Todd]

I have learned that one method of creative financing is to simply "take over" the loan payments on an FSBO deal. Exactly how would you do this? What specific contract could be used for this situation? Would the seller do a Quit Claim over to me at the time of sale? Would a Title Company still oversee the transaction?

I understand that the majority of mortgages out there are not assignable and the bank can call the loan if done without their knowledge.   However, I have heard that most banks really don't care WHO is making the payments, so long as they are paid.  

I would like to be ready for a situation like this should it arise.   Thanks for your much-appreciated assistance!