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She is on the title and the deed, but not the mortgage. I re-financed a few years ago on my own and the mortgage is in my name only. We have no contract between us stating who owns what. We are joint tenants with right of survivorship. I have always taken the full tax benefit every year. She is fine with me just paying her back just her original downpayment money.

Would it be better if she signed a quit claim deed before I sell?
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