My sister passed away in 2009 with a loan on a property that is now in my name but the loan is in her name .B of A over the last 5 years has not let me assume the 6.35 % loan there fore unable refi. Property was under water and over the last five years B of A has made it very difficult. I short sold a piece of property trying to refi and that has lowered my credit score. 
