How do I get off the title?
The operative question probably isn't how you get off the title, it is more likely how you get off the mortgage loan. The answer is you don't, unless it is paid off, or the bank lets you off, which is unlikely if they relied upon your income in making the loan. The best time to consult a lawyer would have been before entering into this deal. Have a real estate attorney review the relevant documents to determine what your rights and obligations are. Good luck.
This answer is provided for general information only. No legal advice can be given without a consult as to the specifics of the case.
I agree with Attorney Witt's answer above. If you bought the home together, and you are both on the mortgage, then you do not want to take your name off the title unless you also get your name off the mortgage. To get off the mortgage, this would probably involve a refinancing and it depends on if your sister alone could obtain financing without your income to qualify for the loan. I recommend you talk with your sister and consult with a local real estate attorney in your area.
This is not legal advice nor intended to create an attorney-client relationship. The information provided here is informational in nature only. You should seek a consultation with a licensed attorney in your area if you seek a complete review and discussion of your situation.
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