Let me see if I have this correct ... they bought the home and got a mortgage. Then they quit claimed it to you and you are paying the mortgage/taxes/insurance on the home even though your names are not on the mortgage itself. I suspect this was done because you could not get a mortgage on your own at the time.
If this is the case then you ALL are perpetrating a FRAUD on the mortgage company if they do not know about the quit claim. So you have 2 options ... keep quiet and accept the system as is. OR tell the mortgage company and get a new mortgage in your names only to get them out of the mix.
OR you are all on the deed but only they are on the mortgage ... also a problem as mentioned in the other answer ... but if the mortgage company & insurance company & the property appraiser (homestead exemption) all think they live there then you have multiple problems ... you are all not being honest with any of these entities and if there is an issue you could have severe legal troubles.
Seek local professional legal council to get this straightened out.
