Hello,

My mother in law recently included me and my husband as owners of her home through a grant deed (?) We've been paying for this home for the last 2 years and was hoping to avail the hope for homeowner's program by the government.

One of the requirements is that the property has to be resided by the owner. Me and my husband are part owners but the mortgage is still in my mother-in-law's name. I have not explained this to my lender for fear that they would reject us right away.

So does our being part owners of the property and the ones solely resposible for the mortgage and taxes qualify us for the program even though by name the mortgage is someone else's?