If you’ve also been on the deed for two years then you should be able to refinance; get the mortgage in your name and move forward. Good luck! Kimberly Lawson, Licensed Mortgage Loan Originator – Ohio only. Contact and licensing information can be found on my profile.
Correct, being on the current title is a huge plus, it means you are doing a refinance rather than a purchase. You will need to qualify on your own credit and income, but will also have whatever equity exists between the current value and loan. Glad to help, I write loans in all states, if you have further questions.