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        You need to pay off the original mortgage.  Ways to do that include: 
1. Sell the house and use the proceeds to pay off the loan. 
2. Refinance without your name on the new loan  - for example, if you are currently a co-signer on a mortgage with someone else, have that person refinance without you as a co-signer.  
3. If you have the assets - simply pay the loan off out of your pocket.
     
     
    
    
    
    
    
    
  
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