It sounds like there is some missing information: Is this a private sale or an REO? How do YOU know how many names are on the Title? Any time you mention the word title in a question, I am drawn to thinking that the best sourse of info is the Title Company; even if they are not the Title Company of record, most Title Companies will stop and answer a question for someone walking in. The key there is walking in; not something you'd want to do over the phone or internet. Back to your question; why can't your Realtor help you with this?