[Crazy Flamer]

About a year ago, I bought a house in SE Calgary. Because my credit sucked and I wasn't earning enough to maintain the mortgage payments in the bank's eyes, I had to put my mom on the mortgage and the land title.

I have now been living with my girlfriend for almost a year and since we are expecting twins, I would like to add her to the Land Title and mortgage. Since my credit still sucks I cannot remove my mom, she has to stay on.

But does anyone have any experience in this? I went down to the Land Titles office and they gave me a "Transfer of Land" form to fill out. However, that form seems to only transfer interests in land.

I know I could pay a lawyer to look into it, but if its just a matter of filling in a form, I would rather do it myself.