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delanacalle · Joined: 26 Aug 2007 Posts: 2 1.61 Dollars($)

Can one transfer full ownership, title and note without having to refinance? Ex is on title and mortgage but not the Note. How can I get him off totally?

larry · Joined: 27 Jun 2007 Posts: 3322 474.67 Dollars($)

Hi Delanacalle,

Welcome to the forum.

You can use a quitclaim deed to remove your ex from the title to the property. By signing the deed, he will be giving up his ownership rights to the property. But this type of deed will not get him off the mortgage as it is meant only for transferring property. To remove him from the loan, a refinance is required to be done. Without refinance it is not possible to get him off the loan.

Niicss · Posted: Mon Aug 27, 2007 5:05 pm Post subject:

miller_st · Joined: 17 Jan 2007 Posts: 918 168.95 Dollars($)

As per legal records he is on the loan as well title of the house. A quit claim deed can be used to remove his name from the title but he will remain on the mortgage.

To remove him from the mortgage also, the option in front of you is to refinance it in your sole name. After these two steps complete he will be totally removed.

Guest

If he is deceased and you want to remove him from the titel and have someone else for ex you son be placed on there is that possible?

carnahandavid · Joined: 21 Dec 2006 Posts: 238 58.41 Dollars($)

===> If he is deceased and you want to remove him from the titel and have someone else for ex you son be placed on there is that possible?

Hi Patrica,

After property owenr dies, division of his property is decided as per what he had stated in his will. If he has not made any will then his property is distributed as per laws of intestate succession applicable in his state.

larry · Joined: 27 Jun 2007 Posts: 3322 474.67 Dollars($)

Hi Patricia,

If a property owner has left a will after his death, then the property will pass to the person who is mentioned on the will. Now if you file the affidavit of heirship, it will help you to remove the name of the deceased person and add your name on it. After getting the ownership in your name, you can add your son to the title of the property.

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