I am in Virginia and my father died and left two homes to my aunt and I. The will has stated this and I reside in one of the homes. Now that I am trying to get a home equity loan, she does not want to cooperate being afraid that she will be held liable IF I would default on the loan. For her to turn over interest in the property that I reside in which option would be better, quit claim or gift? And I would do the same for the other house.