How can I end a co-owned mortgage with my deadbeat sibling?
Mortgage Foreclosure Minnesota Jul 27, 2026
Location: Minnesota My nonbinary twin sibling and I have been largely inseparable since birth. It's not true that twins can read each others' minds, but it is true that being a twin comes with an automatic best friend. For the most part. We're both AuDHD, but they're more obviously so, to the point where they were prescribed Ritalin as a child and I went undiagnosed. This is relevant, as we both like some things done certain ways, such as crying when our aunt put us as babies in the wrong car seats once. In November 2017, we bought a house together, which we refinanced in March 2021. The agreement at the time was that due to my having a higher paying job (two jobs at the time, iirc) I would contribute to 2/3 of the household expenses and they would contribute the other 1/3 as well as do most of the cooking and cleaning since they had more time to do so. They never did, and I'm thankful that I've kept a spreadsheet of the joint account detailing every transaction since the account was opened to keep track. I don't think they've ever contributed close to the agreed third, and the vast majority of the time they've actually been in debt to me due to how much I had to deposit to keep the account in the black. The most recent time they were in the black was a few weeks before they quit their job last year, which naturally didn't last very long as they were so depressed they were unemployed for ten months. But that's not the only reason I want to end the mortgage. The biggest reason involves my boyfriend. Last summer, I met a trans man at a local pride event, who moved here two years ago to escape a horrible past, including abuse. We hit it off, started dating, and we've now been together over a year. We've been cohabiting and he's been financially contributing more than my twin. Since January we've been switching some groceries from our local store to Costco's brands, which includes Kirkland hot dogs instead of Oscar Meyer hot dogs in a zipper package. Cue them getting upset that we're buying the wrong hot dogs. It's gotten to the point where their temper at minor inconveniences isn't just triggering my boyfriend's trauma from the other room, but confronting him while I'm not at home, and thus I can't step in. We've been planning to move closer to my new job for a while, and due to recent outbursts we've decided to move up the timeline.
