Hi all,i have some question about home refinance.

My gf's grandpa give her a new house as a present last year. That house is already fully paid, can we easily to get a refinance loan from bank?

the problem is even thought now the house is registered under my gf's name,but the water and electricity ownership still havent transfer under her name yet,will this affect refinance application? because those amount is quite alot so we hope to get loan first after that only use it to settle those debts.

Any comment and advise about my situation?