I need to speak with a real estate and estate lawyer. Ontario. None. I just require advice. Are they available now? How

Hi, my name is***** am sorry to hear about your troubles and I would be happy to assist you. Before we begin, please note that this discussion is for providing general information only, it is not detailed or necessary specific legal advice, and it is only for the purpose of helping you understand the nature of your situation from a legal standpoint and to discuss options. You should engage a lawyer/paralegal in your local jurisdiction if you wish to take any legal action going forward.

In case you would like a faster response, the site will automatically offer you an optional phone call for an additional fee. Rest assured, I can continue to help you by text and I’m already working on your question

How can I help you?

Yes, I am a real-estate lawyer in Richmond Hill, Ontario.

It is for one call. There is no real timeline for the call.

I am not sure. I am a web user like yourself, and I do not work for JustAnswer. I know the texts here you will receive a transcript, but I do not know about the phone call.

They should be on the mortgage because it devalues your value of ownership and the ability for the bank to collect in the event of default. You need to speak with your bank before you add individuals to title. I also highly doubt they will let you do it without your parents being on the mortgage.

That will depend on the bank because you are eroding your own ownership of the property. They may ask your parents to the guarantors. The parents will not be named on the mortgage if they are not guarantors. Aside from that, your parents basically will have competing rights with the bank to collect, and the bank will not let you do that.

You are very welcome.

Sorry, that should read: "The parents will not be named on the mortgage if they ARE guarantors" typo there.

No worries, I answered you on the other question thread there.