Q: I have a co-signer on my house how can i get them off if they been acting like a delinquent
He left with two months rent and almost i almost lost the house im trying hard to keep my house
A:
In California, removing a co-signer from a house mortgage involves a few steps, and your approach will depend on the specifics of your situation. If the co-signer has agreed to be removed, the most straightforward method is through refinancing. By refinancing the mortgage in your name alone, you effectively pay off the current mortgage, including the co-signer's obligation, and establish a new mortgage based solely on your credit and financial status.
If refinancing is not possible or the co-signer is not cooperative, you might need to explore legal options. This could involve negotiating with the lender or taking legal action to force the removal of the co-signer, but these routes can be complex and may require legal guidance.
It’s important to keep up with house payments during this process to avoid further complications. Consulting with a real estate attorney can provide you with guidance tailored to your specific circumstances and help you understand the best course of action to maintain ownership of your house.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
