add spouse to the title of the house

[bobo 2]

My husband wants to add my name on the title of the house, only on the deed and not on the mortgage. What is the simplest/cheapest way to do this? Can we go to a notary?

I spoke with Citimortgage where the loan is and the rep. said they do not need to be notified if it is only an addition of a name on the deed without payment responsibility. The rep. recommended to contact a lawyer to do it, but I guess this could be expensive. We do not want to refinance because the present loan is at a lower interest rate than is the market now, my husband bought the house before he met me.

And after we do the addition of my name on the title of the house, who should be notified, since the mortgage company said they don’t need this info?

Thank you.

[BRIAN AND ISA 0]

Contact a local Real Estate Title Comapany and just let them know what you want to do. It shouldn't be anymore than a few hundred dollars to add you to the deed. Good Luck

[NavarreMan 10]

You should be able to file a "Quit Claim Deed" adding you onto the deed without having to re-fi. I do not believe the finance company needs to be involved in this but I could be wrong. A call to them could verify this. Cost of a Quit Claim of this sort is usually $10 + filing fees. The Clerk of Court should have all the info oyu need to do this.

When in doubt ask a lawyer!!!

[eau_xplain 2]

I think we paid $75 for a lawyer to do it. We used the same lawyer who did the paperwork on the refinancing we did on our mortgage.

[Jasman0717 8]

Quick claim should do the trick

[bobo 2]

Where can we find this "Quit Claim Deed" form?

Thank you.

[TracyTN 237]

They may vary a bit from state to state.

I'd call your local court clerk (or register of deeds) and ask them where to start.

And no, your mortgage company does not need to be included. They only need to be involved if you want to make your spouse partially responsible for the loan.

Edited November 13, 2007 by TracyTN

[desert_fox 32]

Do NOT file a quitclaim deed. That would mean that you give up any claim that you have to the title.

File a transfer deed or a grant deed, not sure which. Any title company can do this.

Im sure that there exists a Trust deed when the house was bought. You cannot change this without permission from the holder of the note....i.e. the bank. They may require a new loan, etc. i..e. more money to do another loan, title search, title poliicy...etc.

[TracyTN 237]

That is true - IF the quit claim deed does not mention both parties as tenants by the entirety.

[bobo 2]

They may vary a bit from state to state.

I'd call your local court clerk (or register of deeds) and ask them where to start.

I called the Register of Deeds and the lady said a lawyer should do everything. When I asked about the Quit Claim Deed she said that she does not know where to get one and if I find one the info should be typed and make sure the legal description of the property is correct, otherwise it will not be accepted. But still insisted she would need to get from us a Deed prepared by a lawyer and not a Quit Claim Deed.

I asked also about the fees, she said the county would charge $45.00 and the document prep. is at least $100.00, but she is not allowed to recommend anybody for the document prep.

[TracyTN 237]

Wow - I'm surprised its that pricey. But I guess you gotta do what you gotta do. I'm still unclear why a 'tenants by the entirety' quit claim deed wouldn't work. I'd ask the lawyer about that.

My mom has worked doing real estate searches (on deeds, liens and titles) for years, so she wrote up my quit claim for me. Only cost me the $12 filing fee at the register's office.