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CocoCoco

Mortgage not just leasing...

By CocoCoco in Adjustment of Status from Work, Student, & Tourist Visas

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CocoCoco Apprentice

CocoCoco   1

Posted
Filed: Lift. Cond. (apr) Country: Canada
 Timeline
Posted

Has anyone run into issues with adding a beneficiary to a mortgage? I actually own two houses and was told by my mortgage company that I couldn't just add my husband to my mortgage without a complete re-finance (which I JUST completed on one of the homes right before we got married!) He suggested getting him added to the title, but I wasn't sure if that was even going to be worthwhile in the long run or even possible (I haven't called the title company yet).

Any other petitioner's run into something similar? How did you get around it since I know this is a biggie...

Our Journey

06/18/2008 First Date

06/02/2012 Engaged

06/18/2012 Eloped to Kauai, HI on our 4 year Anniversary!

AOS Journey

07/20/2012 - Day 0 - AOS/EAD/AP -package mailed to Chicago Lockbox

07/23/2012 - Day 3 - Package delivered

07/30/2012 - Day 10 - Checks cashed

07/30/2012 - Day 10 - 4 of 4 NOA's received in the mail

08/06/2012 - Day 17 - Received biometrics appointment letter for August 20th

08/10/2012 - Day 21 - Text notification of RFE

08/15/2012 - Day 26 - Hard copy notification of RFE

08/20/2012 - Day 31 - Biometrics appt at 11:00 am

08/30/2012 - Day 41 - RFE mailed to MO

09/24/2012 - Day 66 - Text Notification of EAD/AP Approval/Card Production

09/27/2012 - Day 69 - Text Notification of Interview Notice

10/01/2012 - Day 73 - Interview Notice Received - Monday November 5, 2012

10/04/2012 - Day 76 - EAD/AP Card Received

11/05/2012 - Day 108 - Interview Day (whoosh! Glad that's over!)

11/05/2012 - Day 108 - Text/Email notification of Greencard Production!

Nikkiss08 Apprentice

Nikkiss08   1

Posted
Filed: Country: Canada
 Timeline
Posted

Has anyone run into issues with adding a beneficiary to a mortgage? I actually own two houses and was told by my mortgage company that I couldn't just add my husband to my mortgage without a complete re-finance (which I JUST completed on one of the homes right before we got married!) He suggested getting him added to the title, but I wasn't sure if that was even going to be worthwhile in the long run or even possible (I haven't called the title company yet).

Any other petitioner's run into something similar? How did you get around it since I know this is a biggie...

You can add your husband to the deed, but not the mortgage without refinancing. You should check with your mortgage company to make sure this wont trigger a "due on sale clause". My husband is on our deed, but not the note & mortgage.

Married June 28, 2008

---

AOS from P1

Day 0 (6/19/2012) Package Mailed via USPS

Day 2 (6/21/2012) Package Delivered

Day 8 (6/27/2012) Text/Email Notification that all Petitions Received

Day 8 (6/27/2012) Checks Cashed

Day 13 (7/02/2012) NOAs Received - Dated July 26, 2012

Day 18 (7/07/2012) Biometrics Appointment Ltr Recv'd (Dated 6/29/12)

Day 27 (7/16/2012) Biometrics Appointment

Day 41 (7/30/2012) Text/Email Notification of Interview

Day 69 (8/27/2012) Text/Email Notification of EAD and AP Approval

Day 72 (8/30/2012) Interview Date

grrrrreat Rising Star

grrrrreat   109

Posted
Filed: Timeline
Posted

You can add your husband to the deed, but not the mortgage without refinancing. You should check with your mortgage company to make sure this wont trigger a "due on sale clause". My husband is on our deed, but not the note & mortgage.

Yes check with your mortgage company. But usually spouses can be added to the deed without triggering that clause.

Maria TH Explorer

Maria TH   20

Posted
Filed: Citizen (apr) Country: Thailand
 Timeline
Posted

If you just want to do it to be an evidence of bonafide marriage, you don't need to.

My husband has the morgage and has not added my name because of all the hassle, we have others evidences to prove. At the interview, we just told IO that my husband owns the house. :)

Naturalization

04/22/15 (Day 0) N-400 Package sent

08/03/15 Interview - Recommend for Approval

08/18/15 Oath Ceremony

ROC

12/17/2013 (Day 0) ROC Package sent

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03/14/14 Case transferred to CSC

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12/12/2011 Biometrics Appointment
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03/02/2012 (Day 108) Interview - Dallas
03/21/2012 (Day 127) Green Card in Hands!

CocoCoco Apprentice

CocoCoco   1

Posted
Filed: Lift. Cond. (apr) Country: Canada
 Timeline
  • Author
Posted

From what I've found out, you can add them to the Title by using a Bargain and Sale Deed. NOT easy to find, but the lady at the title company took pity on me and gave me two copies of the legal document today. I had to mail it to the county for processing. Basically it is what I would have had to do to change my last name anyway (probably wouldn't have cared because it was such a pain!) but since I'm up to my eyeballs in this stuff anyway, what the heck, right?? :P

Our Journey

06/18/2008 First Date

06/02/2012 Engaged

06/18/2012 Eloped to Kauai, HI on our 4 year Anniversary!

AOS Journey

07/20/2012 - Day 0 - AOS/EAD/AP -package mailed to Chicago Lockbox

07/23/2012 - Day 3 - Package delivered

07/30/2012 - Day 10 - Checks cashed

07/30/2012 - Day 10 - 4 of 4 NOA's received in the mail

08/06/2012 - Day 17 - Received biometrics appointment letter for August 20th

08/10/2012 - Day 21 - Text notification of RFE

08/15/2012 - Day 26 - Hard copy notification of RFE

08/20/2012 - Day 31 - Biometrics appt at 11:00 am

08/30/2012 - Day 41 - RFE mailed to MO

09/24/2012 - Day 66 - Text Notification of EAD/AP Approval/Card Production

09/27/2012 - Day 69 - Text Notification of Interview Notice

10/01/2012 - Day 73 - Interview Notice Received - Monday November 5, 2012

10/04/2012 - Day 76 - EAD/AP Card Received

11/05/2012 - Day 108 - Interview Day (whoosh! Glad that's over!)

11/05/2012 - Day 108 - Text/Email notification of Greencard Production!

grrrrreat Rising Star

grrrrreat   109

Posted
Filed: Timeline
Posted

From what I've found out, you can add them to the Title by using a Bargain and Sale Deed. NOT easy to find, but the lady at the title company took pity on me and gave me two copies of the legal document today. I had to mail it to the county for processing. Basically it is what I would have had to do to change my last name anyway (probably wouldn't have cared because it was such a pain!) but since I'm up to my eyeballs in this stuff anyway, what the heck, right?? :P

It just depends on the state and the terms of your mortgage--there's no special form that applies to everyone.

DandT14 Rising Star

DandT14   272

Posted
Filed: AOS (apr) Country: Canada
 Timeline
Posted

From what I've found out, you can add them to the Title by using a Bargain and Sale Deed. NOT easy to find, but the lady at the title company took pity on me and gave me two copies of the legal document today. I had to mail it to the county for processing. Basically it is what I would have had to do to change my last name anyway (probably wouldn't have cared because it was such a pain!) but since I'm up to my eyeballs in this stuff anyway, what the heck, right?? :P

Must depend on the state- I've done this but it's been years. I'm sure here (in California) it was called a quit claim deed or something like that.

But, like others have said you can't just add someone to your mortgage. You need a whole new loan for that. You can add anyone to the title though. At one point I had like 5 people on the title to my house. (Don't ask. :huh: )

AOS

5/16/2012 - Package delivered to Chicago Lockbox at 1:33pm

5/21/2012 - Email/text notifications received at 4:50 p.m.

5/26/2012 - NOA hard copies received for I-130, I-485 and I-765

6/19/2012 - Biometrics completed.

7/02/2012 - Text/email/hard copy notification of interview.

7/30/2012 - EAD card production ordered.

8/02/2012 - Interview @ 2:00

8/02/2012 - Email notification of GC production at 5:30pm

8/07/2012 - Second GC production email

8/07/2012 - EAD received.

8/08/2012 - GC mailed.

8/09/2012 - Welcome letter and I-130 approval letter received.

8/10/2012 - Green card received. :)

VanessaTony Grand Master

VanessaTony   3,567

Posted
Filed: Citizen (apr) Country: Australia
 Timeline
Posted

How did you get around it since I know this is a biggie...

It's not "a biggie". It's one piece of evidence. We bought our house when I was here but without a credit history/score the interest rate would have sucked so I am NOT on the deed or the mortgage. I am on some piece of paper as his wife (for survivorship reasons) but that's it.

You can also do a Will and Powers of Attorney. You can have joint bank accounts and credit card and all manner of other things. The mortgage/title absence won't mean you'll be denied. Don't stress.

Aussie K1 process - http://www.visajourney.com/forums/topic/206016-australian-beneficiaries-packet-3-to-interview-date/
AOS, EAD & AP - the Aussie Way (including document list) - http://www.visajourney.com/forums/topic/235331-aos-ead-ap-from-k1-the-aussie-way-doc-list-included/
ROC April 2012 - http://www.visajourney.com/forums/topic/358760-i-751-april-2012-filers/ (includes document list)
N-400 April 2013 - http://www.visajourney.com/forums/topic/412738-n-400-april-2013-filers/ (includes document list)

N-400 Interview review - http://www.visajourney.com/forums/topic/412738-n-400-april-2013-filers/?p=6381814

N-400 Oath Ceremony review - http://www.visajourney.com/forums/topic/412738-n-400-april-2013-filers/?p=6537699
Aussie Chat page continued - http://www.visajourney.com/forums/topic/331922-new-2011-land-downunder-aussie-aussie-aussie-oi-oi-oi/
Aussie Name Change on Passport Process - http://www.visajourney.com/forums/topic/248400-australian-passport-name-change-process/
Travel on maiden name passport with married name GC, tickets in married name - http://www.visajourney.com/forums/topic/183541-land-downunder-aussie-aussie-aussie-oi-oi-oi/page__view__findpost__p__4135806
Shipping Costs from Aus to US - http://www.visajourney.com/forums/topic/293179-shipping-costs-aus-to-usa/

Notes:
- For my "standard" timeline please see timeline to the left
- For timeline with Aussie specifics & more detailed info, please see the "About Me" section of my profile

CocoCoco Apprentice

CocoCoco   1

Posted
Filed: Lift. Cond. (apr) Country: Canada
 Timeline
  • Author
Posted

Must depend on the state- I've done this but it's been years. I'm sure here (in California) it was called a quit claim deed or something like that.

But, like others have said you can't just add someone to your mortgage. You need a whole new loan for that. You can add anyone to the title though. At one point I had like 5 people on the title to my house. (Don't ask. :huh: )

5 people! You're cracking me up today. :lol:

Yes, a Quitclaim Deed can work too, and I'm sure it varies from state to state as well! I'm in Oregon. Investigate your own laws from your own county recorder. My title company was quite helpful!

Our Journey

06/18/2008 First Date

06/02/2012 Engaged

06/18/2012 Eloped to Kauai, HI on our 4 year Anniversary!

AOS Journey

07/20/2012 - Day 0 - AOS/EAD/AP -package mailed to Chicago Lockbox

07/23/2012 - Day 3 - Package delivered

07/30/2012 - Day 10 - Checks cashed

07/30/2012 - Day 10 - 4 of 4 NOA's received in the mail

08/06/2012 - Day 17 - Received biometrics appointment letter for August 20th

08/10/2012 - Day 21 - Text notification of RFE

08/15/2012 - Day 26 - Hard copy notification of RFE

08/20/2012 - Day 31 - Biometrics appt at 11:00 am

08/30/2012 - Day 41 - RFE mailed to MO

09/24/2012 - Day 66 - Text Notification of EAD/AP Approval/Card Production

09/27/2012 - Day 69 - Text Notification of Interview Notice

10/01/2012 - Day 73 - Interview Notice Received - Monday November 5, 2012

10/04/2012 - Day 76 - EAD/AP Card Received

11/05/2012 - Day 108 - Interview Day (whoosh! Glad that's over!)

11/05/2012 - Day 108 - Text/Email notification of Greencard Production!

IPv6Freely Community Regular

IPv6Freely   64

Posted
Filed: Citizen (apr) Country: Canada
 Timeline
Posted

If you're doing this for proof of a bona fide marriage, don't worry about it too much. Just have the utilities bills in both names or something. Prove that you both live there. That's all they're really looking for.

05/15/2006 - Moved to Kansas, USA on TN Status

10/16/2009 - Married in Missouri, USA
 

Family-based AOS from TN Status - Complete

Spoiler

(DAY 00) 06/18/2012 - Sent AOS Package to Chicago Lockbox

(DAY 01) 06/19/2012 - AOS Package received

(DAY 04) 06/22/2012 - Texts/Emails from USCIS confirming receipt

(DAY 07) 06/25/2012 - I-130 and I-485 checks cashed

(DAY 08) 06/26/2012 - NOA received in the mail

(DAY 12) 06/30/2012 - Biometrics appointment letter received in the mail. Appointment for 7/17/2012

(DAY 29) 07/17/2012 - Biometrics completed.

(DAY 51) 08/08/2012 - Interview email received. Scheduled for 9/11.

(DAY 53) 08/10/2012 - Paper Interview notice received in mail.

(DAY 86) 09/11/2012 - Interview. Approved on the spot.

(DAY 86) 09/11/2012 - GC Production ordered

(DAY 86) 09/11/2012 - EAD production ordered (not that I need it now...)

(DAY 87) 09/12/2012 - Case status moved from "card production" to "decision"

(DAY 89) 09/14/2012 - 2nd GC production ordered notice

(DAY 92) 09/17/2012 - EAD and GC mailed

(DAY 94) 09/19/2012 - EAD and GC IN HAND!

 

 

N-400 Application (5 year residency) - San Diego Field Office - Complete

Spoiler

 

(DAY 000) 08/15/2017 - N-400 Filed Online

(DAY 000) 08/15/2017 - Receipt Received, Case number assigned

(DAY 004) 08/19/2017 - Biometrics Appointment notification received

(DAY 010) 08/25/2017 - Biometrics Appointment PDF Posted (Date: 09/05/2017)

(DAY 013) 08/28/2017 - Biometrics Appointment Completed Early (Walk-In)

(DAY 014) 08/29/2017 - Case status now "We Reviewed Your Biometrics". 

(DAY 053) 10/06/2017 - In-line for interview. EGOV updated to "Interview Was Scheduled"

(DAY 054) 10/07/2017 - Interview scheduled. ELIS updated to "View your letter on your documents tab"

(DAY 057) 10/10/2017 - Interview PDF posted (Interview Date: 11/14/2017)

(DAY 092) 11/14/2017 - Interview in San Diego (Approved)

(DAY 112) 12/04/2017 - EGOV updated to "Oath Ceremony Notice Was Mailed"

(DAY 113) 12/05/2017 - ELIS updated to "View your letter on your documents tab"

(DAY 128) 12/20/2017 - Oath Ceremony Completed.

 

 

 
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