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You're right.  My son & wife took over the payments for the house, it was not paid for.  The house was refinanced for a higher amount to cover the amount the father-in-law wanted for the house.  So my son & wife are paying the mortgage and taxes.  They are paying the mortgage directly to Wells Fargo, not to the father-in-law.

 

The mortgage is in the Father-in-law name & SS# than my daughter-in-law name.  Then in a few years the father-in-law is going to deed my son to it.  Something like that.