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Yes, you can refinance a home if your name is on the deed but not on the mortgage. However, it could be more complex than a typical refinance. Here's why it's harder to refinance when your name is not on the mortgage: Deed Ownership: Being on the deed means you legally own the property or a share of it.

A mortgage lives on after the death of the borrower, but unless there is a co-signer or, in community property states, a surviving spouse, none of the deceased person's heirs are responsible for paying the mortgage. Those who are in line to receive an inheritance may be able to take over payments and keep the house.