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leah1967 · Joined: 21 Jul 2009 Posts: 1 1.34 Dollars($)

In the state of Texas does the spouse have to be on the deed of trust at refinance?...The initial mortage and deed of trust had my name only because I was not married when I purchased the home. I am attempting to refinace the property and the bank is insisting that my spouse be placed on the deed of trust. Is this is correct? If so where can I find this law? My spouce is willing to sign a document and have it notarized that she does not want her name attached to this property. Is this a work around?

adonis · Posted: Fri Jul 24, 2009 12:30 am Post subject:

Hi leah,

As Texas is a community property state, the lender has asked your spouse to be included in the mortgage doc. However, if your spouse signs a inter-spousal transfer deed, then I don't think the lender would insist her name to be included in the mortgage.

jk9999 · Joined: 15 Jul 2009 Posts: 111 1.82 Dollars($)

i really think it is ridiculous if your bank asked you for that. Even if you are spouse, you can seperate financial and property independently. the lender is too greedy and bad. They want to go after two person under one loan. It is not good to do that. It is good to insist your name on the loan only. GOOD LUCK!

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In the state of Texas does the spouse have to be on the deed of trust at refinance?

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