You do not need a real estate lawyer, you need a lawyer specializing in elder care with a knowledge of real estate issues related to Medicaid. If you need good recommendations for elder care lawyers, start with Arlington County Social Services and ask for a social worker who works with geriatrics (703-228-3000). Best wishes with this very difficult issue.... more
Refinancing is the only way to get your girlfriend off the loan, but another question is whether she is on the title. If she is not on the title, then she would have no ownership share when you eventually sold the property, unless you had some other agreement.