Legal Question in Real Estate Law in Maryland

A mortgage does not change legal ownership of real estate. A mortgage simply describes a lien against the property and dictates who is personally responsible to repay the lender.

A person holding a power of attorney may have the authority to manage and control real estate owned by the principal. Without looking at a specific power of attorney it would be difficult to say what a particular agent can and cannot do with respect to the principal's property.

If co-owners no longer wish to own property together, they would need to have a deed from one to the other (which may trigger transfer/recordation taxes unless an exempt relationship exists) or in extreme cases seek partition or sale.

While I hope the above general information helps, it does not take the place of getting specific legal advice.