Excuse me, my father died, my mother is alive, and the house belongs to my parents. Now I need a house loan, and I need the identity certificates of my parents and brothers.
If the property belongs to parents, the name on the property certificate is the mother's name. As long as the mother agrees and provides her identity certificate, she can apply for a loan.
If the name of the father is written on the real estate license, it is necessary to change the transfer to mortgage the loan.