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Get added to mortgage

Posted on: 19th Nov, 2013 01:10 am
My fiancé and I will be getting married shortly. Once we get married, will I be added to the mortgage legally or are there other steps which I need to take?
Hi Guest,

You will not be legally added to the mortgage unless you refinance the mortgage along with your fiancé.

Take care
Posted on: 19th Nov, 2013 01:24 am
Call the lender now or after you are married and ask if she can be added to the mortgage somehow without refinancing.

If not, then you must refinance to add her to the mortgage.

However, refinancing may not be advantageous as it costs money to refinance and the rate might be higher now than what you have.
Adding her to the mortgage just gets the mortgage on her credit history, which you may want to do. However, her not being on the mortgage means that if the mortgage is ever not paid on time or even foreclosed, it will not affect her credit adversely because she is not on the mortgage.

So, you have to decide if she is to be on the mortgage or not.
There are pros and cons to each answer.
Posted on: 19th Nov, 2013 09:54 am
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