The house is in my in laws names and they live in a small cottage on the property that was renovated 8 years ago. There is $50,000 left to pay off cottage. Can we borrow against the house we are living in if it is paid off but part of the estate/trust? It is a very old small home that our family of 6 has outgrown. It needs a lot of work in addition to additional square footage. The house is currently valued at 900, 000 because of the location and property size. We have excellent credit, but are not on the deed so trying to figure out what to do. Help!