Please explain a "wrap mortgage"

[Charles Williams]

I believe I understand the method of the wrap mortgage. My question is does the Deed Of Trust get transferred to the end buyer at the time of sell or does it stay in my name until the loan is paid off? Here is my situation. I have a chance to buy a house for 45K @ 5.75% 20yr loan using my bank lender. I have a buyer lined up to buy this house from me for 85K @8% 20yr loan. Is there a way to structure this deal without the Deed of Trust not transferring to my buyer? If it has to be transferred, my lender will call the Due on Sale Clause on me. Any suggestions??? Thanks. Charlie Portsmouth, VA