The owner of record for subject is reflected as the borrowers deceased mother (died 1987). The lender wants the owner of record to be reflected as the borrower and says they will provide me with a will to prove it. I know the borrower and the are very trustworthy local family. Can I accept the will as proof. Was thinking of putting 'see addendum' of owner of record block and explaining there and letting the underwriter sort it out from there. Any help or suggestion are appreciated. Are properties not re-deeded upon someones death to the heir?