[ Renting & Real Estate ] Open Question : Mortgage refinance question – Loan and Deed?

Hi, in my current situation, my deed has both mine and my mother’s name. If I want to re-finance my loan where the loan would have solely my name, do I need to change the deed? Is it possible where the loan is on 1 person who lives in the household name, where as the deed has 2 people’s name?