my mom bought a house which was titled in her name in 1987. She is a widow & remains single. A quit claim was signed by this "other"The mortgage was paid off in 1998. He name now appears on the title as co owner.
After the closing the credit union decided a co signer was needed. That cosigner
was put on the title as coborrower. My mother's family was alarmed so the cosigner signed a quitclaim along with her husband (he had dower rights automatically). the mortgage was paid off in 1998 but the cosigner's name remained on the title in spite of the quitclaim if in fact the credit union was ever made aware of its existence-which I doubt.