Go Back To Search Results Question morgage is under my retired mothers name i pay loan how can i claim taxs without refinancing? How can I claim taxs on morgage loan when I am not the borrower my retired mother who dosnt file income taxs is but I pay loan? By Gissel A Posted on 07/28/10 Total Answers 2 Answers- You can't. You must be liable for the interest and property taxes to claim it on your income tax. If the mortgage and the deed are not in your name, you cannot claim the deductions. Answer by : bdancer222 On Date 2010-07-28 13:55:10 You must be legally liable for the loan to legally deduct the interest on your taxes. To get your name OFF a mortgage requires refinancing. You may be able to ADD your name to the existing mortgage by contacting the lender. Giving them MORE people to chase if the payments are not made probably looks good to the lender. bdancer: The name on the DEED does not matter to the IRS. ONLY the name on the MORTGAGE matters. Answer by : STEVEN F On Date 2010-07-28 13:55:29   Go Back To Search Results