Ask Experts Questions for FREE Help !
Ask
    woundtite's Avatar
    woundtite Posts: 4, Reputation: 1
    New Member
     
    #1

    Sep 19, 2008, 02:08 PM
    Names on Deed not Mortgage can they come after me?
    When my husband and I bought our house I didn't work so they only wanted to put the mortgage in his name. They put my name on the deed and not the mortgage. The house is in the state of Pennsylvania. Now we are in preforeclosure and the letters are coming in my name. Can they come after me if the mortgage is not in my name? Thanks for any help any one can give.
    wildandblue's Avatar
    wildandblue Posts: 663, Reputation: 57
    Senior Member
     
    #2

    Oct 2, 2008, 01:21 PM

    Technically the bank's name is on the deed until you pay for it, just like the bank will hold title to a car until you pay off the loan. A husband and wife are considered one person under the law
    www.askherePA.org
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
     
    #3

    Oct 2, 2008, 01:59 PM

    Link does not seem to be working
    LisaB4657's Avatar
    LisaB4657 Posts: 3,662, Reputation: 534
    Expert
     
    #4

    Oct 2, 2008, 02:09 PM
    Quote Originally Posted by wildandblue View Post
    technically the bank's name is on the deed until you pay for it, just like the bank will hold title to a car until you pay off the loan. A husband and wife are considered one person under the law
    Pennsylvania libraries has a new website www.AskHere.org
    I think you are referring to states where a Deed of Trust is used rather than a mortgage. Pennsylvania is a mortgage state, not a Deed of Trust state.

    Also, your link doesn't work.
    Neilcathy67's Avatar
    Neilcathy67 Posts: 47, Reputation: 3
    Junior Member
     
    #5

    Oct 8, 2008, 01:50 PM

    I agree with LisaB 4657. Contract for Deed and Deeds of Trust are given in States where you do not own your home until its all paid for. I believe the law in PA is spouse must be on the deed.
    Neilcathy67's Avatar
    Neilcathy67 Posts: 47, Reputation: 3
    Junior Member
     
    #6

    Jun 20, 2009, 08:45 AM
    Get out your closing paperwork and see if you signed the mortgage Note as an additional guarantor. If you did they have the right to come after you since the note is the promise to pay> I would consult a lawyer as soon as possible. If no one helps you, remember you have the right to go bankrupt and this may stall the foreclosure 6 months to a year. The courts are giving workout solutions that may help you,

Not your question? Ask your question View similar questions

 

Question Tools Search this Question
Search this Question:

Advanced Search

Add your answer here.


Check out some similar questions!

Mortgage has both names [ 2 Answers ]

Being married only a year, the house has both names on it, initially it was the husbands house and when they married the wife's name was put on, can he somehow void her name as he is paying the mortgage himself as she does not work. She receives funding from the government for a health issue which...

Same names on mortgage and deed? [ 1 Answers ]

Is it necessary to have the same names on the mortgage and deed? When my husband and I bought our Colorado home, my mother signed on the loan since I was only a student. We would like to quitclaim her portion of the deed. Can we do this without going through the process of changing the mortgage...

Name on Mortgage Vs Names on Deed [ 2 Answers ]

I just received a mortgage commitment from my mortgage company, but ONLY on my name. My wife wants to be sure her name appears on the Deed from the time of closing. Is this possible without disturbing the mortgage commitment or starting all over to look for a loan? Jfe

Changing names on a mortgage [ 1 Answers ]

I currently have a joint mortgage with a family member, who has decided that she no-longer wants to be on the mortgage, and wants to change the so that her brother is on the joint mortgage instead. As I am currently preparing to buy my own place, I no-longer want to be on the mortgage either,...


View more questions Search