Q: One borrower but 2 people on deed. How to remove one of the people?
My dad is old and let a woman talk him into buying a house. He is the only one listed as the borrower, however he has her and his name on the deed. He has never stayed there and has been paying the mortgage for almost 10 years, she had never paid at all. We have asked her to remove her name from the deed but she won't. He can continue to pay but it's very hard and he is going without.
We want her out, so he can rent it out. Is there anyway to get her out? Someone said that we should just let it go into foreclosure. They said once it goes into foreclosure the bank will give first dibs to him, if he wants to get it back. With him getting it again her name will be off the deed. Will this be a way to get her name off? Is this really something we can do?
A:
I suggest that the advice you received is not accurate on how foreclosure works. Simply put the lady does. It have to voluntarily take her name off the deed. Since you've asked her and she has not your only option will be a legal action.
The only option that sounds remotely feasible, based upon the facts you state, is an action to impose a constructive trust.
You need to hire a real estate attorney from the area where this property is located.
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