Can you Refinanceor modify house mortage

or modify it if you are the primary without the co owner's signature?

1 Answer

No, if there are multiple parties either on a current loan, or with ownership interest (such as a spouse on title, even if not on the mortgage), all their consents are required for a refinance, modification, or sale. There have been many lawsuits against lenders and title companies who conducted such transactions without obtaining legal consent from all owners.