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In order to refinance even in one persons name, anyone else who is on title must be present at closing. You can't legally refinance a home unless all people on title are present at closing.

In any case names on a loan do not directly reflect names on title, you can have one person on a loan and 5 people on title.

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Q: If two people buy a house then one person refinances in only their name is the other still on the title or do they no longer have rights to the home?
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