Legal Question in Real Estate Law in Maryland

You made a big mistake. Since you are the only one of the loan, you will be the only one affected (your credit!) by a foreclosure of the house. The only thing she loses is title to the home, which it sounds like she doesn't want anyway. If she's unwilling to sign title back over to you, there's little you can do with a loan on the property. You may consider consulting a Maryland real estate attorney with the specific facts of your situation -- that attorney will be able to tell you what all your options are, even if they are not good ones.

Best of luck.******The above is for informational purposes only and does not create an attorney-client privilege.******

Maryland offers a legal way for one joint owner to force a sale when the other(s) refuse to deal with a property (called a sale in lieu of partition action). In this type of lawsuit, one can ask for allocation of property costs between the joint owners as well. If the property is mortgaged the lien needs to be paid off at sale. Note that this is not a quick process but it often will spur a resolution between joint owners.

While the above is not legal advice I hope that it helps give you some general information about possible options.