Blackswan,

Most mortgages do not allow the addition of deletion of names because the names associated with the mortgage are responsible for the repayment of the note.

Even in the case of divorce the only way one party can be removed from the mortgage is for the home to be refinanced under the name of the party who received the home in the divorce settlement.

My suggestion is for you to have your name added to the deed of the home. This way should you inherit the home you could "refinance" the note instead of "purchasing" the home. You can use a legal instrument called a "quit claim deed" to put your name on the title. Consult your local title agency or attorney to process this document.

Good Luck!

Trey Bowden
Mortgage Lender
Oklahoma
(405) 340-3277

you cannot be added to a loan like you can a deed. The only way this would be allowed is if the loan was assumable, 99% of residential are not. Did you try to qualify for a loan? Lenders are not as credit drivin as they are income driven. Please give me a call and lets explore some different options for your family. I own a mortgage company in South Florida and would love to help.
Ryan Brandenburger
Community Mortgage
954-764-7064 ext.203

The best thing is for her to contact her mortage company (the one that takes her payments now, not necessarily the loan officer with whom she closed the loan).