How Do I Get My Share Of The House I Own With My Mom?

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Ramsey Network

Self-improvement, Education, Investing, Business

4.6 • 682 Ratings

🗓️ 10 August 2025

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:06.7	So seven years ago, I was asked to co-sign a house for my grandparents.
0:12.1	They put down the down payment, and then I became co-owner with my mother.
0:18.0	Now I'm at a point where I need to get out.
0:21.8	I feel like I'm at a different point in my life where the cost of living in Connecticut is sky
0:27.3	high and I have the ability to be mobile with my job and work in a different place where I can
0:33.3	build wealth.
0:34.6	I was wondering if you had any advice on how to get out of this. Wow. So you and your
0:41.7	mom are 50-50? Morally a third piece between my grandfather, my mother, and myself, yes. Oh, okay.
0:51.0	And you're co-signed with your grandfather and your mother?
0:56.0	My grandfather put the down payment.
0:57.9	My mother and I legally own it on paper.
1:01.4	Oh, okay.
1:03.5	So the two of you are on the mortgage and on the deed, but morally he owns one-third because of the down payment.
1:10.2	Yes.
1:11.3	I see.
1:12.7	Okay.
1:13.2	And what is the house worth?
1:16.7	Online it says $575.
1:19.3	And what's the current mortgage, yeah?
1:22.0	$2.40, $250.
1:23.9	Okay.
	...

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