My mother and I were renting a house together. After about 2 years, the owner offered us the opportunity to buy it. We accepted. We proceeded to try to get the house in my name, but my credit wasn't good, so we tried her name and the sale went through. Because my mom was retired and on disability, and also because I had the larger income and three children, I paid $750.00 of the 1,107.00 house payment every month. I also paid utilities. Two more years later, we decided to refinance to try to lower the house payments, because my mom intended to move out on her own soon. She had been diagnosed with inoperable lung cancer and wanted to live with my sister, who had no small children and could take care of her. We used my credit and income this time along with my mothers. The mortgage consultant said that I would be the primary title holder and that should anything happen to my mother, sole title would automatically transfer to me. He had my mother fill out a quit claim deed to that affect. The problem is that my mother died leaving no will, and apparently the quit claim deed that the mortgage company prepared was not one that gave me 'right of survivorship.' In fact, it only made us tenants in common, meaning that on her death, my siblings had legal claim to her half of the property. All of this came out when I attempted to refinance again about a year after my mother's death. The house payment had gone up to $1335.00 and I needed to lower it. I talked to an attorney who advised me that in order to avoid probate, I'd have to get all of my siblings to quit claim their rights to the property to me, which they did with no hesitation. They knew what me and my mother's situation was. However, I am now being told that this matter has to go to probate, and that any judgements against any of my siblings could put a lien against the property. Worst still I'm being told that I may have to use any equity I would get from the refinancing to repay medical bills my mother incurred. Somebody please give me some advice -- I'm beginning to think it would be better all around to just abandon the property since I can't sell it and I can't refinance it and lower my payments.