My sister and I both live in the home we are heirs to

More info needed, but if you both inherited the home.. and the title was transferred into both names, then all parties on title must sign to encumber the property with a new loan.. So, yes!! Your sister will need to sign a deed.. if her credit is bad, then she could allow you to get the loan in your name only, then once the loan closes, you can always add her back to the title.. But I would not advise this.. if the loan is in your name only, yet you give her half the proceeds, then YOU are on the hook for 100% of the balance if the loan does not get paid.. The best scenario would be for one party to buy out the other with the loan proceeds.. This way, you can do with you want with the property.. Another option would be for both of you to apply and you split the loan proceeds.. Realistically, without knowing exactly what your goal is, it's difficult to advise you.. Try contacting a local banker/broker and let them look at your complete scenario.. once they see the whole picture, they can advise you.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893