Will more names on CD make it harder to refi?

I’m selling a house on a Contact (Agreement) For Deed, and a married couple and their son all want to be on the CD. This means all three names will be on the property’s title as well, which will obviously be seen by the loan officer at refi time. Will this make it harder for them, individually or together, to get a loan when the balloon comes due? Would it be better to leave the son’s name off of the CD?