Real Estate Law
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Hello and welcome! My name is ***** ***** I will try my level best to help with your situation or get you to someone who can. There may be a slight delay in my responses as I research statutes and ordinances and type out an answer or reply, but rest assured, I am working on your question.
Are you and sister the only ones on the deed?
How did you get a mortgage if sister is on the deed? Did she sign for you to take out the mortgage?
Ok, thank you for that information. I am afraid that you are stuck here.. When father put you and sister on the deed, he made you both half owners of the house. So as a half owner she doesn't have to agree to do anything if she doesn't want to and can create a huge pain for you.
The only way to force her off the deed is to either get her to sign a quitclaim deed over to you (maybe try to buy her out) or to file a "partition lawsuit" where a judge orders the property sold at public auction. At a partition sale, you would be bidding along with everyone else to purchase the house to essentially force a sale of her half of the property.
So I am sorry to say it, but there is no way to force her to sign off on a refi if she is unwilling to do so...
I am very sorry that I don’t have better news, but please understand that I do have an ethical and professional obligation to provide customers with legally correct answers based on my knowledge and experience, even when I know the answer doesn’t make the customer happy...