I’m unsure if I understand your question or your intentions. However, let me explain the process and that may shed some light on your situation. When you the closing attorney to prepare for the transfer of the property, the attorney will conduct a title search. This search will reveal that your parents have an existing mortgage. The attorney is then legally obligated to pay-off all existing liens prior to the transfer of the deed. This ensures that the buyer is receiving a clean title although the process may vary from state to state. Therefore, I’d suggest ing an Attorney to specifically address your needs.