Buying subject to in FL

[Derek Nienaber]

Hi Everyone,
I would like some advice on buying a single family home subject to in the Pensacola FL area. The owner has a loan of approximately $40k which is VA and non assumable w/out prior consent. I would like to know what paperwork you use to create an agreement. Should I use a FL board of realtors purchase and sale contract? The loan is current so I assume I just start making the payments. Do I have the owner sign the deed over to me? How about title insurance, can I get it without a payoff on that mortgage? What specific papers do I use and what would I file at the county. Should I use a land trust to hold the property so the mortgage company doesn't notice the change in ownership. (I would call it the "Owners' last name" family land trust with me or my company as beneficiary)
Thanks!
Derek