Took over title, now looking for lender to assume loanHello. We took over title of our parents prop over a year ago. We've used it largely as a write off, claiming it as a rental. Now, we need to get the loan under our name (title was put in our name 6 months ago). We have a history of making payments for over two years and good credit. However, I don't want a "rental" rate. I want a second home rate. I am concerned because tax return shows it as a rental home. Anyhow I am told my someone that a mortgage broker can get it qualified as a second home, but I am wondering if that is true. I am inclined to go with a direct lender. Would prefer a large company that makes it easy to fed-ex docs, etc. I won't deal with a one-man-band who is in a different time zone and will tell me one thing, "hey no prob, we can do it," and then not be able to deliver or who bumps me to higher rate. Any suggestions? October 19 2013 - US0YesReport 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.