Wells Fargo currently holds the note on my property and home That my wife and I purchased in 2007. The title to the home was was never transferred, it still remains in the previous owners name.This couple has since divorced.The property was only in his name and he transferred ownership to me. Does this not invalidate my contractual agreement to faithfully pay for my home? Could I not request Wells Fargo to come get the home, subtract the replacement value of the home from the loan total, and then refinance that amount?