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Iam 75 and in good health. I do not have a will and my only asset is my condo which I share with my son. My wife and I are both on the deed and the mortgage is in both names. She passed away two years ago. Can I remove her name and should I add my son. The balance on the mortgage is 30,000. and I have a home improvement loan of about 30,000. My apr is 6% on the mortgage,and should I consider refinancing everything ? Thanks