Our house is in grandma's name, but we make the payments

The only solution to this promblem is to have your grandma add on insurance that would pay the home off if she becomes deceased leaving you and your husband as benificary. You need to get this sorted out because if she barrowred the money for the home knowing that it was for the both of you then it needs to be settled. If ahe refuses to talk about it or do anything about it then if she ides the house would not go to you. You can tell her you will pay the difference in the payment for the insurance. Get her to make a will. Other wise consider that your just renting her house,because taht is really what you are doing. You might want to try to buy the home or a home as a first time home owner their easier to get and you can use your grandmother as a reference as paying your rent on time. You can also consider leasing the home from your grandmother with the option to buy. The money that you pay her would then go toward the purchance price at the end ot the lease.