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Company Loan Type APR Est. Pmt.

home alone

Posted on: 19th Oct, 2009 05:01 pm
If a friend allowed me to purchase a House through him, meaning the mortgage is in his name but both of our names are on the title and he gave me power of attorney for all transactions toward the house such as the mortgage and anything else that arises from the house to act on his behalf and I alone live in the house and pay all of the bills regarding the house mortgage, taxes, water etc.., what are my rights to the house in case of his death. we are not married, we are not in any kind of relationship other than friends what are my rights.[/size]
Hi quehic!

Welcome to forums!

As your name is on the property title, you would be considered as one of the owners of the property. Thus, you have equal rights to the property as your friend. If he has no heirs, then you can file an affidavit of heirship and transfer the property in your name after his death.

Feel free to ask if you've further queries.

Sussane
Posted on: 19th Oct, 2009 10:03 pm
His part of the property would pass to his heirs. If he has no heirs, it passes to the state government (a process called "escheat").
Posted on: 20th Oct, 2009 06:12 am
can we do a quit claim deed with me having full ownership to the house and allowing him to still be on the mortgage without having to go through the expenses of refinancing the home to have his name removed.
Posted on: 22nd Oct, 2009 04:27 pm
Hi quehic,

You can transfer the property solely in your name. However, you will have to refinance the loan once you do so. If the lender comes to know about the transfer of the property later on, he may penalize you and call the loan due immediately.
Posted on: 22nd Oct, 2009 11:44 pm
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