 The loan, though, stayed in my name with the promise of getting my name out of the loan after a year or so. I've tried countless times to initiate a refi for the house, but it never works out with the in-laws. Either they didn't get approved or the credit at the time wasn't good or they did not turn in paperwork, et cetera. Sixteen years later, the house loan is still under my name. The title is under their name.