On the loan but on on title, can I still refi?

on the loan but not on title? yes you can but you will have to be added to title

You are in a pickle. You cannot refinance a property you do not own. If the people that are on title are willing to add you back on title, then you would be eligible to refinance. However, it is likely the lender would require that the current owners also be on the loan in order for them to remain on title. Adding you to title and removing them can create both legal and tax issues, so make sure you discuss with your title company and tax professional to make sure you are not creating a bigger problem. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Licensed in Arizona, California, Georgia, Oregon, and Washington. Need help in other states? We've got you covered. NEXA Mortgage is licensed in 46 states ~ www.ApplyYes.com 480-889-9000.