Scenario: My parents bought a house and had joint tenancy. My father passed away and sole ownership passed to my mother. My mother wanted to refinance the mortgage for a better rate but needed my income to do it. I signed on as a co-borrower (and was also an occupant of the house). My mother passed on. We never filed a new deed adding me to the title. My question is this... was I automatically added to the title as a co-borrower or does the house need to pass through probate to secure title?