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Property transfers on homes with outstanding balance

The living/mortgage situation my father and uncle decided on about 20 years ago is complicated and I'm trying to do the right things now. My uncle took out a mortgage under his name 20 years ago but my family has been living and making payments towards the house (houseA). My father took out a mortgage under his name about 20 years ago as well that my uncle's family has been living and making payments towards (houseB). It gets complicated because my father passed away about 10 years ago and since then my uncle took over my father's business and paid what was left in our mortgage (houseA). While my father was alive my uncle tried taking a loan against the equity of the house (houseA) but didn't get approved. My uncle asked my father to take a loan against the equity of houseB and that was approved. Both my mom and dad were not fond of this decision. Since my father passed away the account holder of houseB is my mom. My uncle used $100,000 for a gas station that he later sold within 2 years and $50,000 for an overseas restaurant that is really successful today. The house I live in is paid off (houseA). The house my uncle lives in has a paid off mortgage (houseB) but has an outstanding balance of $140,000 because of the HELOC. Since March, my uncle hasn't made any payments as I helped suspend payments because my uncle said he can't make payments. My brother and I want to transfer properties so houseA is under my mom's name and houseB is under my uncle's name. I understand it may be possible to transfer ownership of houseA to my mom because it is paid off but houseB cannot be transferred because it has a balance. My brother and I are willing to pay the outstanding balance of $140,000 because that is roughly what my uncle paid for our house (houseA) since my father passed away. We have about $50,000 saved up up so if we were to pay the $140,000 we would need to take a loan. My brother and I don't want to do this but we want to resolve this issue ASAP because this is very stressful for me, my brother and especially my mom.

I've been reading as much as I could so I understand what's going on but I know I'll need professional help. Will a real estate agent resolve this or should a real estate attorney be involved? Will the attorney charge the minute I start such a conversation? Any other suggestions regarding this issue?

submitted by /u/apenguin7
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source https://www.reddit.com/r/RealEstate/comments/kngtu1/property_transfers_on_homes_with_outstanding/
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