Ask Experts Questions for FREE Help !
Ask
    latoyia2's Avatar
    latoyia2 Posts: 1, Reputation: 1
    New Member
    		  
    #1

    Jan 1, 2009, 08:39 AM
    How do I get on a Deed
    Me and my husband bought I house but a week before closing I was told I had to be off the deed until closing, but we were told after the closing the was not true they were just trying to make the process go faster. Now we want to get me on the deed but we don't know how do it and me don't have 150.00 for a lawyer to do it for us so I am asking you how do we do it for a cheaper price and how do we add survivorship as well on it.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
    Uber Member
    		  
    #2

    Jan 1, 2009, 09:47 AM
    Quote Originally Posted by latoyia2 View Post
    Me and my husband bought I house but a week before closing I was told I had to be off the deed until closing, but we were told after the closing the was not true they were just trying to make the process go faster. Now we want to get me on the deed but we don't know how do it and me don't have 150.00 for a lawyer to do it for us so I am asking you how do we do it for a cheaper price and how do we add survivorship as well on it.


    You need an Attorney to make certain all the bases are covered. Some mortgage companies/banks will not allow you to change the title unless the mortgage is also changed.

    I don't understand why things would go faster if the paperwork was only in your husband's name. Did anyone explain that part of it to you?

    I wouldn't do my own Deed and take a chance that you have made a mistake.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #3

    Jan 1, 2009, 09:57 AM

    Are you a signator to the mortgage? If not, then you will need to obtain the lender's approval to add you to the deed. Almost all mortgages have a due on sale clause. This means that if the property is transferred to new ownership (and changing the deed is considered such a transfer) the lender could demand that the mortgage be paid in full.

    If you are on the mortgage, then the lender may help make the change. If not, I would contact the title company for their help.
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!

Special warranty deed and quit claim deed what are they? [ 6 Answers ]

What is the difference bewtween the two and what is the purpose?

Reversal of life estate deed using quit claim deed [ 2 Answers ]

Can a life estate deed be reversed if all remainders sign a quit claim deed in North Carolina?

Quit Claim Deed or Deed of Gift [ 8 Answers ]

My fiancé and his brother are dividing a couple of properties from their mother's estate. She passed away 6 years ago and they did probate the will during that timeframe. They are trying to establish the best way to divide the property at this time with as little tax penalties as possible. Which...

Corrective Deed, New Quit Claim Deed, or See an Attorney? [ 4 Answers ]

I have a major problem with a quit claim deed that was done regarding my father's property. The intention was to put me in the deed but as an heir to the property, not as a co-owner or anything like that. So, a quit claim deed was filled out and recorded at the clerk of the circuit court. However,...

View more questions Search