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my mom owned her house in FL free and clear for 18 yrs. 2 ys ago she exper

my mom owned her house in FL free and clear for 18 yrs. 2 ys ago she experienced financial hardship and took out a small mortgage which my brother agreed to co-sign. because the mortgage company insisted he appear on the title her property taxes went up 70% b/c under FL law she was granted a Homestead exemption of $25,000 but the other $25, 000 they claim belongs to her son who co-signed her mortgage. first, was it legal to require of her to add his name to the deed b/c she specifically questioned that indicating that she did not want that and was told she had to, second how does she remove her son's name from the title as he has NEVER lived in that property, nor paid a dime toward taxes, maintenance, etc, nor claims ownership rights.

Asked on 9:44 am Nov 29th 2011

Anonymous

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Hi Guest,

It is true that the lenders will want the co-signer to be added on the property deed. So, there is nothing wrong if the lender had wanted the same in your mother's case. Your mother won't be able to remove the son's name from the property. After she refinances the mortgage solely in her name, she will have to ask her son to sign a quitclaim deed and transfer the property to her. This will make her the sole owner of the property.