Do we need to get a new mortgage or can I just be added on?

There are some potential issues here. Yes, your daughter could add you to the Title, but this will not add you to the loan. The lender will not talk to someone that is not on the loan if you have questions. There could also be trouble for your daughter. If you are sued and lose, the judgement holder could get the courts to force your daughter to sell the home to satisfy your obligation. Same with any of your creditors. There can also be some benefits. If your daughter's loan could be refinanced into a better loan (lower rate, payment etc.) and you provide value to the transaction that gets her a better deal on the loan, it would also put you on the loan. If you or your daughter want a clearer picture of the pros and cons for your specific situation, connect with a Loan Officer Licensed in the state the property I located in. Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Certified by The National Association of Mortgage Professionals as a Certified Veterans Lending Specialist.Licensed in AZ, CA, GA, IL, OR & WA... In fact, NEXA is licensed in all states except MA and NY so give us a call. ~ www.ApplyYes.com 480-889-9000.

the only way to add someone "to the mortgage", is by doing a new mortgage. You can add someone to ownership of the property... Pretty easy. Just call any title company and tell them that is what you want to do.

I was just checking to see if you found a solution to the issue. Our office is licensed in KS and MO.