Joe Shamie (Joe Shamie)
#5 ranked lender in New Jersey - 1,412 contributions
It is a tough call. From a practical standpoint, as long as the loan is "performing" (meaning you are makingt he payments) I dont think they will have an issue leaving things as is. However, you wont know until you talk to them. They may be able to do a simple "modification" of the loan documents to put the loan in your name without having to do a full blown REFI. I dont think you have anything to lose by talking to them.