How do I do ownership refinance

How do I do ownership refinance

Member since 2022 · 1 post · 0 votes

I started listening to Bigger Pockets not that long ago and been learning little things here and there. Okay my mom owns a house with her brother, sister, and a sister-in-law (One of my uncles passed). So four owners in total 2 want to sell the house and 2 don't want to sell. I was wondering if there is a way they can buy out the other 2 who want to sell their share of the property. I was thinking since the house (400k) is paid off can they refinance the house to get their share of the property money the 2 who want to sell pull their money out. Then the 2 who want to keep the house but there's a share of the people wanting out for 100k so it becomes two owners so the house is now under joint tenancy. How would the process work?

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  • Investor · Daytona/Ormond Beach Fl, Charleston/Summerville SC · Member since 2017 · 156 posts · 73 votes
    4y
  • Investor · Daytona/Ormond Beach Fl, Charleston/Summerville SC · Member since 2017 · 156 posts · 73 votes
    4y

    Leodardo,

    If the two that want out do not want to be on a mortgage, then:  

    1) Sue and Sally sign RE sales agreements for their interest in the property for $ x each. 

    2) Joe and Jane sign THE sales agreement and agree to apply for a mortgage of $ 2x in Y days and close with Mr Lawyer in Z days.

    3) Joe and Jane agree on how the title is to be given at closing. 

    IMHO this should be a legal document stating how future disposition is handled. That is a LLC, LP, Trust, Recorded Contract, or some legal entity so the situation does not repeat.

    4) All becomes legal in one closing.

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