I am in joint tenancy with my mother, the co-borrower on the house. She has never lived here, nor has she paid any of the mortgage for the entire 7 years.
She wants to now change from joint tenancy and get her name off the loan. I do not want to sell the house, and cannot assume the loan because I am not approved by the bank due to credit. I have made every payment on time for 7 years and do not wish to move myself and family.
What options do I have to keep the house?