Yes. Once you can document that you legally own the home, you can refinance it, even though you were never on the original loan. Your right to the property can be established through probate, through a trust, or, in a joint tenancy, by recording a death of joint tenant affidavit that makes you the sole owner. With that documentation in place, the existing loan can be paid off and replaced with new financing in your name, subject to you qualifying on your own income and credit. This comes up more often than people expect. A spouse, parent, or grandparent passes away and leaves a home with a mortgage that now needs to be refinanced by someone who was never on the note. Lenders handle these regularly. The practical path is to get the ownership paperwork in order first (the death certificate, plus the affidavit, trust documents, or probate order, depending on how title was held), then apply as you normally would. Because estate and title details vary by state, confirm early exactly which documents your lender and title company will require, so the refinance is not stuck waiting on paperwork.