Texas/ My parents are on the mortgage on my house. They deeded it to me 12 years ago. I have made all the payments and property taxes since then. I want to refinance to lower interest rate and escrow taxes and insurance. I understand that I have to transfer deed back to them in order to refinance. I can't qualify for the loan. My question is once the deed is filed and it is back in his name can he refinance immediately or is there a season time before refi? Getting contradicting info.