I am the sole borrower of my current mortgage of my 2nd house. My son has lived there for the last 8 years, and will stay there in a foreseeable future. He has paid for the mortgage interest and taxes whole time. Since his name is neither on the deed and the mortgage, he could not get any tax benefits. I do not want to add his name on the need due to legal ramifications, however, want to refinance the existing mortgage with his name added as a co-borrower. If he will pay for the mortgage, taxes, and all maintenance costs, can he claim tax benefits without having his name on the need, but on the new mortgage?
