How long do you need to have title to a home in Florida to refince?Mortgage is now in sisters name and we want to do a quitclaim deed and refinance in our (mine and husbands) names.

Some lenders will require 90 days, since it is a family member, others will require only one day.

It depends.. since it's your sister, and the home is in Florida (looks like your in AZ), then when you apply, you would need to disclose your purchasing from a relative.. this is considered Non-Arms Length transaction.. Guidelines are very specific in this scenario. Non-Arms length transactions are only allowed for owner occupied properties.. not investment or 2nd homes. However there is a way to make this happen.. Have your sister ADD you to the title ( she must remain on title) Once you are added to title, you could refinance as "buyout / remove other owners interest". This type of transaction is allowed, but you need to wait 12 months after your names are added to the title, and the lender might have a loan to value restriction. It's best you contact a local mortgage broker and let him analyze your complete loan scenario so he can properly advise you.. and you should do this before you do any title changes.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com