Adding a Second Owner

[Brid06]

What is the name of your state? MD

My mother and I share a house, and the mortgage and home equity loan are in her name. We want to add my name to everything and refinance. What do we have to do to do this? I don't have a clue what the first step is. Also, can adding me (since we are doubling the income) have a positive or negative affect on the mortgage and/or equity loan? Finally, we want to roll-in some credit card debit, how can we go about doing this?

Thanks for any help!
Brid

[moburkes]

When you contact the loan officer or mortgage broker, they will do everything. You may be able to get better terms based upon the extra income. Credit is also a factor.