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I currently live at home with my parents. They are elderly.

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It is possible for them...
I currently live at home with my parents. They are elderly. It is possible for them to transfer the house & mortgage to me?
Submitted: 1 month ago.Category: Real Estate Law
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Answered in 5 minutes by:
3/20/2018
Real Estate Lawyer: Nisha Jones,
 replied 1 month ago
Nisha Jones
Category: Real Estate Law
Satisfied Customers: 2,598
Experience: Managing Attorney at Nisha Jones Law, LLC
Verified

Good morning, I am an attorney expert with the JustAnswer website, and former Prosecutor for the State Attorney's Office. I have a near 100% customer satisfaction rate, and I'll be answering your questions today. JustAnswer provides general legal information only and does not constitute legal advice. Please allow me just a few minutes to review your question, thank you!

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Real Estate Lawyer: Nisha Jones,
 replied 1 month ago

Yes, they can transfer title to the house, one way of doing this is through a quit claim deed for example.

Transferring title to the house does not automatically transfer the mortgage though.

A mortgage typically cannot be transferred without being approved by the lender.

That means you'll need to speak with the bank or lending agency, and get a mortgage refinance approved in your name.

I hope that helps!

Please let me know if you have any other questions about this. Also, please take a moment to rate me using the stars at the top of the page, as it's the only way experts are compensated for our time on the site. I do not receive a salary here at JustAnswer, and am only compensated for my time after receiving a rating of 3 stars or more (5 stars are always appreciated). The question won't close after rating, so you can still ask follow-up questions after. Thanks, ***** ***** it!

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Real Estate Lawyer: Nisha Jones,
 replied 1 month ago

Hi, just checking in to see if you'd still like help getting your questions answered. Think of this more as a back and forth conversation. Let me know if you'd still like my assistance, thanks!

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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