Need some helping about getting a house in my name?

Question

My mother passed away in June of 06. We lived in the house my grandfather lived in. He wants to put the house in my name...But my mom had alot of debts. And before my grandfather puts the house in my name he wants to make sure it wont get taken off of me. If my mom had debts would they take the house off me to pay off her debts? Like my brother said my mom racked up the debts not me......Soo i dunno what todo...

One other thing the house isnt in my moms name. Its in my grandfathers and my mom didnt own anything but a truck thats was paid off in 05 and which my bro has now......So the only debt my mom has is Credit card debt

Answer 1

If you mother's name was not on the deed to the property, then there shouldn't be any problem, unless you co-signed with her on a loan or had any joint accounts with her.

I would suggest that you and your grandfather go to your local title company and have them run a preliminary report on the property. The report is the basis for title companies issuing title insurance (which is meant to guarantee clear title once the deed is recorded in your name.) Once the report is done, have them to prepare the grant deed from your grandfather to you, record it and issue a title policy. There will be the cost of document preparation, recording and the insurance but it well worth it.

Answer 2

In brief, it will take an abstract of title to determine what debts have been linked to the subject property. If there is enough equity in the property, there is a good chance that you can pay off those liens and move on.

Best of luck.

Answer 3

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Answer 4

you must file a quit claim deed in your name for the property. This negates any claims against the property and makes it yours. I did this for my house.