Va Refi Mtge And Title Reps. Please.....What Could We Do Here ? Want Home Transfered Or Refi'd? Rates Dropped 3/4 Pts!

Mtge and Title reps. please.....What could we do here ? Want home transfered or refi'd? rates dropped 3/4 pts! - va refi

My girlfriend came in a special situation. He is buying good friends who helped him a house. Gave 25k deposit and friends took the mortgage in his name. They live in VA and the house is in PA. This is actually the house of his friends, and bought a third home Vaca considered on behalf of friends. Then the friend is entitled to act on FAST family member? Since the house refi'd behalf of my friends? Or do we purchase? When a purchase .... "Money is not my friend cowards? Is it because the taxes on capital gains, transfer taxes, etc. ......