A seller is interested in providing financing to the buyer of a home, but the seller wants to retain title until the loan balance is paid off. Which of the following would be the best loan option?

An asset integrated mortgage typically combines various financial products, such as a mortgage with a home equity line of credit. This option does not involve retaining title as the seller would prefer; instead, it generally allows for immediate ownership transfer to the buyer upon closing, which contradicts the seller's intent to hold the title.

A wraparound mortgage involves a new mortgage that "wraps around" an existing one, allowing the buyer to make payments to the seller who continues to pay the original lender. This option does not inherently allow the seller to retain title, as ownership is typically transferred at closing, which does not align with the seller's requirement to maintain title until loan payoff.

Subordination of deed refers to the process of rearranging the priority of liens on a property. This is not a loan option but rather a legal maneuver regarding existing loans. It does not address the seller's need to retain title or facilitate financing directly, making it irrelevant to the scenario presented.