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

I live in Houston, How do I put my wife on the deed to our home without adding her to the mortgage?

gunz.ijjistaff's picture
gunz.ijjistaff | Joined: April 7, 2009 02:40 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

Signing [url=http://www.mortgagefit.com/quitclaim-deed.html]Quit Claim deed[/url] 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.
gunz.ijjistaff :lol: :lol: :lol:

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:51 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

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

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:51 | Post subject:

raymond's picture
raymond | Joined: July 3, 2009 09:38 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

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.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:51 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

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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Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:51 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

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

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:51 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

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.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:51 | Post subject:

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