How do I add my wife to the deed without redoing my mortgage?

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Icon Mini Profile bengalarts





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Post Posted: Thu Mar 18, 2010 6:32 am    Post subject: How do I add my wife to the deed without redoing my mortgage
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I live in Houston, How do I put my wife on the deed to our home without adding her to the mortgage?
Icon Mini Profile gunzijjistaff
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Post Posted: Thu Mar 18, 2010 9:26 am    Post subject:
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Hi,

Signing Quit Claim deed will add your wifes name on property deed with out adding her on mortgage. Contact your attorney to sign a quit claim deed & record it in country records to make it validate.

Thanks & regards.
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Post Posted: Fri Mar 19, 2010 6:43 am    Post subject: HOW DO YOU REVERSE IT
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OUR ATTORNEY DID A QUIT CLAIM DEED AND ADDED ME ON MY NEW HUSBANDS HOUSE DEED AND i NEED IT OFF THE DEED MY HUSBAND WANTS IT OFF TO HOW DO WE DO ...CAN WE DO IT OUR SELFS
Icon Mini Profile raymond
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Post Posted: Sat Mar 20, 2010 9:25 am    Post subject:
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If you have a mortgage on your property, you're not allowed to add people to Title, or remove anybody from Title. The mortgage note and Title need to agree with each other. Using a Quit Claim deed to add/remove anybody will impact the due-on-clause and the lender can call your note due and payable immediately.
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Post Posted: Fri Mar 26, 2010 3:27 pm    Post subject:
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Last answer was a bit off the mark. Real disservice to you. VERY common to have those on note and mortgage different. Most often one spouse is “high risk” for judgments (e.g., a medical doctor) or one spouse has a low FICO and you don’t want the “hits” (LLPAs) for underwriting on note.



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Post Posted: Thu Feb 16, 2012 2:50 pm    Post subject: How do i add my wife name to become the owner of our house i
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I need to add my wife & son names to my house title so inthe enent of my death nthey would not have problems of ownership
thanks
s
Icon Mini Profile adonis
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Post Posted: Thu Feb 16, 2012 11:49 pm    Post subject:
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Welcome seeram,

If the property is free and clear, then you can use a warranty deed in order to add your wife and son to the property deed. If there is any kind of lien on that property, then you can use a quitclaim deed in order to add your wife and son to the property deed.

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