“The debt is in your mother’s name alone.

She’s personally on the hook to the bank for the entire remaining balance of one hundred forty-two thousand dollars.”

“So Brent gets the equity, but he has no duty to pay the loan.”

“That’s right,” Sarah said.

“He has every right of an owner and none of the financial risk.”

“And my mother made that happen.”

“She signed the deed herself,” Sarah said.

“She signed it in front of a licensed notary public.”