Refinancing does not by itself put your name on the title: owing money on a loan or mortgage does not automatically make you an owner (it just means you owe money on a loan or mortgage). You need to be put on the title, but to do that, you may have to also refinance so as to pay off the existing mortgage: generally, you cannot transfer ownership of property which has a mortgage on it without paying off the mortgage, including by refinancing and replacing it with a new one. So you most likely need to both deed the property to you and also refinance the mortgage. Consult with a real estate attorney about how best to do this: you want to make sure you do it right.