How long do you have to be on title to a home B4 you can refinance it?My ex-wife is ill and deded her house over to me. So it's all in my name but the mortgage is still in her name. Can I refinance with no cash out? Do I have to wait a certain period of time? I am getting conflicting answers from lenders.February 01 2011 - La Mesa00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.