Tennessee. My mother passed away in January she left two homes with loans on them we've been paying the loan thus far but a balloon payment is due in December what do we need to do to refinance the loan the bank wasn't sure they could give us a loan without the houses being in our name. We don't know where to start do we transfer the property into our name with will and then try to refinance the loan or do we go to the bank and talk to them and they can do it all at once. There is only $8000.00 owed on the two homes but we don't have the money to pay it off all at once.