My mom bought a house. She put my brother as a co-borrower. They are both on the note and deed of trust. He refuses to speak with her and anyone else in the family. Is there a way she can refinance or even sell the house without his signature? He doesnt pay for anything. What can she do if he refuses to speak with her?
There is a procedure that can be used to uncloud a title or mistake in the paperwork. Best to have an attorney look at the paperwork and get more details. Did the brother give anything to the effort, or pay anything that would allow him to claim some portion of ownership? You wrote that he's on the deed of trust - is his name on the deed itself?
Even if he's done everything, and paid for a portion of the home, your mother can always attempt to use adverse possession to regain full ownership, and force him to action or lose whatever claim he has. This really isn't that expensive of a process, but it is definitely something you need to have an attorney to work with you on.