Buying my brothers duplex

[Michael Acheampong]

I plan on buying my brothers duplex when he moves out of state. He still has a mortgage on it.

Can I pay my brother the mortgage and he pays the bank, like basically he’s my bank because I can’t qualify for a mortgage.

I’m a registered nurse and length of credit history isn’t good enough to qualify for a mortgage. I’ve only had credit for a year but the score is pretty high 754 equifax.

If he’s my bank, how does that work, how do I know if he’s really making the payments, do I get a title, is it on file that the house is in my name or his, how do I track how much I pay him etc. after a year of doing this I plan on getting my own mortgage. The mortgage company said I could qualify after 1 year.

TIA