Missouri here. How do I add my brother as joint owner of my house, which still has a mortgage.?

Answer 1

you have 2 issues.

1) Adding him to the title. This is easy. Just go to the courthouse and file a quit claim deed listing him as co-owner. Be warned though that this has several possible consequences.
a) Read your mortgage contract. This would be considered a transfer of title and may trigger the full payment due immediately. You may be better off refinancing at the same time.

b) Your taxes may go up. In most states, transfer of title triggers the county assessor to revalue your house. If the value has went up since it was last assessed your property taxes will go up.

There are other issues also but those are the two main ones.

2) Adding him to the mortgage. You will need to contact your lender to see if they will agree to add him. If they do, great. If they don't see point one above regarding them calling the full mortgage due upon transfer.