text: It does depend on the state you live in.  Best bet is to file wills and have your name put on the deed w/rights of survivorship.  You can actually file these yourself in the county courthouse.  Don't let a lawyer charge you too much for this.  It's a very simple process.\n\nAnd it's called "dower".  Not all states have it.  You co-signed on the second loan, and therefore are responsible for the loan, though not the home itself (you couldn't file your own mortgage - this also varies by state).