 George Campbell, Ramsey Personality, is my co-host today. Thank you for joining us. Our question of the day comes from Steve in Mississippi. Steve says, Last year, my wife and I bought a home from a family member and have been living in it ever since. However, we didn't transfer the deed or title, refinance, or switch the mortgage to our names. Technically, the house still belongs to him and his wife because we wanted to keep their 3% mortgage rate instead of the 6% to 7% rate we were quoted.