I am not sure how the property is titled yet. I plan on going to the registrar of deeds on friday to obtain a copy of my deed. Will get back to you on that. As for the second part of your question, my mom and i purchased this house together in the mid nineties. We used the money from the sale of her prior home for a down payment. $16,000. Once we closed on the house, we assumed a monthly mortgage payment of approx $1,800. Since she paid so much up front, it was agreed that she would pay $450 per month and I would pay the balance. (At the time of the purchase she was in her early sixties and looking toward retirement and I was in my late twenties.) The house at the time of the purchase needed a lot of work. Other than the down payment she paid to have a furnace installed at a cost of $5,000, and she did a patch job on our carport roof for an add'l 2,000. Upon my marriage in 2001, my husband and I initially considered approaching her about selling and getting another place, but by the time we were ready to start looking the prices on homes had skyrocketed. Rather than spend so much on a new place, we decided to refinance and make much needed repairs on our present home. We removed mom from the mortgage and refinanced adding $80,000 to the mortgage. (We now pay 2,333.00 per month and assume all responsibility for any maintenance issues, mom still contributes $450 p/month) We put new siding, windows and doors on the house, we put in hardwood floors and french doors. Put on a new roof. Put up pvc fencing and did some landscaping to give the place curb appeal.