Financing options , purchasing home directly from mother in-law

[Adrian Erives]

Hello , since there’s so much knowledge in this forum I thought I throw my situation in here to see if you guys could help me out figuring out what options I might have.

So my mother in law purchased a home four years ago directly from the owner , from my understanding they went to an escrow company where the title is held , did paperwork , she has been making payment since . Last week she decided she wanted to sell the house and she came to me , she wants 40k and I’ll just keep making payments which are 1300 a month and I believe she only has about 11 more years till it’s paid off , she had the house appraised at 137k. My question is what would be an option for me as far as financing goes since I don’t have the 40 k to give to her ? Thanks