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How can you add name to house deed?

My husband has a mortage on our house in his name only. He is ill and I may need to get my name on the mortage. How do I do this. We really do not have a lot of money for lawyers, the last one charged 1200.00 for a POA. Please help.

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi suresh!

Welcome to forums!

You can use a quitclaim deed in order to add your wife's name to the property deed.

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Tue, 03/22/2011 - 00:30

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

Just a couple of days ago, my husband and I purchased the house and signed the mortgage deed and note at the Title Agency in Ohio. My husband is upset that I put my name first on all the documents and his second. Is there a way to correct this so that on the public records (survivorship deed) it shows husband and wife names instead of wife and husband order.

Like | Dislike | Share | Posted: Sat, 03/24/2012 - 14:09 | Post subject:

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

My husband bought our home before we were married. We want to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] the house and add my name at closing. We were told there would be a gift tax to IRS on my half of the value of the home which would be quite expensive. We live in Texas. I've never heard of this before.

Like | Dislike | Share | Posted: Sat, 10/29/2011 - 06:25 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi monica,

As your name is not on the deed, you won't be considered as the owner of the property. However, on your husband's death, you can claim his share of the property as his heir.

Thanks

Like | Dislike | Share | Posted: Sun, 02/17/2013 - 22:02

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

Welcome MargeM,

As far as I know, if your spouse is a U.S. citizen, then you can gift any amount to your spouse without incurring any federal gift tax or state gift tax consequences due to the unlimited marital deduction.

Like | Dislike | Share | Posted: Sun, 10/30/2011 - 22:45

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

I live in Florida. My boyfriend and I have a house together, only his name is on the title. How can my name be added to the title. I have a judgement against me in the State of Florida, can that be attached to the house. There is no mortgage on the house. I just want to make sure if anything happens to him I will get the house.

Like | Dislike | Share | Posted: Mon, 05/20/2013 - 17:38 | Post subject:

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

my name is on the deeds to the house but not on the mortgae, if our relationship ends do i have any rights to the house

Like | Dislike | Share | Posted: Tue, 09/29/2009 - 04:57 | Post subject:

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

my ex husband has recently passed away. we got married we bought a house when we divorced i left the house to him. he did get remarried never added new wife to the deed. in his will everything was left to his mother. his mother and i are trying to get ex out of the house. my ex wanted our children to have the house. his mother said that i may still have rights to our home . what do i need to do

Like | Dislike | Share | Posted: Thu, 06/16/2011 - 17:48 | Post subject:

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

We just got married a week ago, and i would like to know how to add her to the deed?

Like | Dislike | Share | Posted: Sun, 09/26/2010 - 07:56 | Post subject:

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

Is there any way around putting the home as our primary residence since there is family member living in the home already? We have a residence that we are living in.
Thank you.

Like | Dislike | Share | Posted: Tue, 12/07/2010 - 15:58 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

you are an owner, jennie. therefore, you have all rights of an owner - being on the mortgage or not has no bearing on your rights.

Like | Dislike | Share | Posted: Tue, 09/29/2009 - 09:45

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

my husband and i purchased a house with his father because our credit was no good the house is in he and his wife names only. we need to add our name to the deed or something because we don't trust the other family members. they threatened us that if the parents die we will have no ownership in the house. we pay half of everything regarding the house each month. What can we do. A

Like | Dislike | Share | Posted: Fri, 05/07/2010 - 15:12 | Post subject:

frank.mcdowell.2000's picture
frank.mcdowell.2000 | Joined: September 7, 2009 09:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

If your spouse's name as well as on deed, you will be treated as coowner

If you are living in community state , you will be treated as coowner

otherwise, you are 100% owner of property

Like | Dislike | Share | Posted: Tue, 09/29/2009 - 10:20

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

Can a friend transfer a property to another friend and what are the implications tax wise

Like | Dislike | Share | Posted: Sat, 01/08/2011 - 16:27 | Post subject:

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

my son was arrested yesterday, adding my name to his deed, can his house be taken away

Like | Dislike | Share | Posted: Tue, 08/10/2010 - 14:00 | Post subject:

jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi shiela,

If you want to be added only to the property deed, the mortgage company will not check your credit. But in case you want to be added to the mortgage deed, you will have to meet the credit requirement as set by the lender. It is up to the mortgage company if they would allow you to be added to the property title. Your parents need to talk with the lender regarding this.

Hi eastport,

As far as I know, one has to have an ownership interest in the property in order to claim the property taxes. Since you are the only one on the title to the property, your boyfriend does not have an interest in the home. Thus, he cannot claim the property taxes.

Like | Dislike | Share | Posted: Tue, 12/22/2009 - 01:15

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi!

Welcome to forums!

To poaul,

A friend can transfer his/her property to some other friend. The friend gifting the property will be liable for paying capital gains taxes.

To Carmella,

Your boyfriend's parent's may ask you to leave the property as you're not one of the owners of the property.

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Fri, 03/18/2011 - 00:52

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

i bought a house 10 years ago in my mother's name and her husband, now that she has passed her husband does not want to put my name on the house deed. i am the one that has paid the property taxes, and the mortgage. he does not want to add my name because he will still be responsible for the mortgage, he is not paying the mortgage, how do i go about adding my name, i can it be done as a gift, i cannot get a mortgage right now, my credit is not good, would i have to pay any taxes on that quick claim deed???? confused

Like | Dislike | Share | Posted: Thu, 04/01/2010 - 11:03 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi MicheleNKY,

A primary residence is a property where you live for the most part of the year. Unless you fulfill this criteria, you won't be able to claim it as your primary residence.

Thanks

Like | Dislike | Share | Posted: Tue, 12/07/2010 - 23:09

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Joshua,

You can add your husband's name to the property deed after 2 years. I don't think there will be any problem in doing so. But, if you have doubts, it will be better if you could contact an attorney and a tax adviser in this regard and take their opinion in this regard.

Thanks

Like | Dislike | Share | Posted: Thu, 08/04/2011 - 21:04

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

Hi Guest,

Your children can be considered the heirs to the property. You should contact a real estate attorney and he will guide you what you need to do in this regard.

Like | Dislike | Share | Posted: Thu, 06/16/2011 - 22:02

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi shaw,

You will have to ask your husband's father and his wife to sign a quit claim deed and add your names to the property deed. Once they do so, both of you would become the owner of the property.

Thanks

Like | Dislike | Share | Posted: Sat, 05/08/2010 - 00:02

savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

Your name can be added to the property deed, even though you are not on the mortgage. It's not necessary for you to be on the mortgage in order to co-own a property. You can purchase the property along with your partner and have your name on the title, while the mortgage remains in her name. When your credit improves, you can [url=http://www.mortgagefit.com/refinance.html]refinance[/url] the mortgage in your name.

Like | Dislike | Share | Posted: Wed, 12/02/2009 - 05:27

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

my partner is purchasing a house, condo or co-op...my credit is bad so we will use her credit...will we be able to add my name on the deed for my protection without them having to check my credit...

Like | Dislike | Share | Posted: Wed, 12/02/2009 - 01:53 | Post subject:

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

thank you for your quick response......will the mortgage or loan company (bank) have to check my credit for review first.. or can it be done without...(is MY credit check necessary to be added on the deed or title)....can they deny my partners request for me to be added on.....without being on the mortgage...

Like | Dislike | Share | Posted: Wed, 12/02/2009 - 05:53 | Post subject:

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

I got a first time home buyer tax credit. Two years later I would like to put my husbands name on the deed. Can I do this without ramifications? I was told nothing could be done in the first three years, but don't know if just adding his name would cause a problem??

Like | Dislike | Share | Posted: Thu, 08/04/2011 - 17:59 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi jai,

Your query has been replied to in the given page:
http://www.mortgagefit.com/know-how/about42109.html#176575

Take a look at it. Hope it helps you.

Thanks

Like | Dislike | Share | Posted: Wed, 08/11/2010 - 00:10

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

Hi roljacks,

You will have to sign a quit claim deed in order to add your wife to the property deed. If your property is free and clear, then you can even use a warranty deed to add your wife to the property.

Like | Dislike | Share | Posted: Mon, 09/27/2010 - 02:04

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

my questions is it possible for my( mother in law ) to have a property in her name and suppose?_ in my name also on a house title? and is it possible to have a loan be made only in my name? for the same property?
and will this affect my credit score if we needed to refinance other mortgage? thank you

Like | Dislike | Share | Posted: Sat, 01/23/2010 - 20:56 | Post subject:

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

mother is 89 years old house is paid off want to add my name with hers help

Like | Dislike | Share | Posted: Thu, 03/25/2010 - 12:49 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Karlene,

You can add your name to the title if your mother's husband agrees to sign over the home ownership to you. He can sign a quit claim deed to transfer the property to you and himself so both of you could be on the title. He can transfer the title as a gift. You will have to pay certain fees for recording the deed, but the charges are normal and there will not be any major tax consequence due to this transfer. However, given the situation, it does not look like that he would like to sign the deed. You need to convince him to do so.

It is true that he will not be removed from the mortgage. But since he is not going to make the mortgage payments, his credit will be affected in any way. If he defaults on his mortgage and the house goes into foreclosure, his credit will be ruined. So, it is better for him to add you to the title so you can continue making payments to save the house from foreclosure.

Thanks,

Jerry

Like | Dislike | Share | Posted: Fri, 04/02/2010 - 01:57

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Debra!

Welcome to the forums!

You can ask your boyfriend to sign a warranty deed and add your name to the property. However, if you become the owner of the property, then a lien can be attached to the property due to that judgment.

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Mon, 05/20/2013 - 22:23

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

my mate and i have gone halves in the house but the deed is only in his name how can i get my name put onto the deed as i am part owner, i was away overseas when we purchased the new home

Like | Dislike | Share | Posted: Thu, 03/31/2011 - 02:53 | Post subject:

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

my boyfriend and I live together and he pays half the taxes on a home I own,how can he become eligible to claim this as an exemption on his taxes?

Like | Dislike | Share | Posted: Tue, 12/15/2009 - 10:44 | Post subject:

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

My boyfriend and I want together and bought a house, its paid for...but thru divorce I have to keep my name off he deed to the house. Should something happen to my boyfriend, how can we state it that the house will go to me with out my name actually being on the deed for now? thanks

Like | Dislike | Share | Posted: Fri, 05/14/2010 - 13:03 | Post subject:

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

Hi, we bought a property here in San Diego. Unfortunately during the process of pre-approval the loan, the broker suggested that used only my name because my husband credit history is not good. In this case, during the escrow and part of the process, my husband signed a paper transfering all the rights to me and the loan is all under my name together with the title. I want to add his name on the title. How can I do that without spending too much money in the process of adding his name in the title. Thank you.

Like | Dislike | Share | Posted: Tue, 03/23/2010 - 13:28 | Post subject:

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

Welcome Bettyjane,

You will have to file an affidavit of heirship in order to get the property transferred in your name. You boyfriend can even draft a will and declare you as the beneficiary. Thus, you will have to probate the will and get the property transferred in your name.

Like | Dislike | Share | Posted: Mon, 05/17/2010 - 00:38

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi robsartor,

You should ask your mate to sign a quitclaim deed and add your name to the property deed. This will make you one of the owners of the property.

Thanks

Like | Dislike | Share | Posted: Thu, 03/31/2011 - 23:17

savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

To Grace,

It is possible to add your husband's name to the property title through a quit claim deed, where you will be the grantor and both you and your husband will be the grantees. However, since there is a mortgage on the property, you need to consult your lender before making any changes to the title. Adding your husband to the title without informing the lender may trigger the "acceleration" clause on the mortgage and the lender may call the entire loan amount due. However, in most cases the lenders would not mind if you add him to the title if you have been making the monthly payments satisfactorily.

Like | Dislike | Share | Posted: Wed, 03/24/2010 - 00:25

jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Rosa,

Your mother needs to sign a [url=http://www.mortgagefit.com/quitclaim-deed.html]quit claim deed[/url] or a warranty deed as grantor and transfer the title to both you and her as grantees. Once the deed is signed, it needs to be properly notarized and recorded with the county recorder's office. This will add your name to the property deed. As the house is paid off, she will have no problem in adding you to the title.

Like | Dislike | Share | Posted: Thu, 03/25/2010 - 21:42

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

My boyfriend of over a year has recently been arrested. We have currently been living together in his home which he owns. His parents happen to own the land that his house sits on. They want me to move out of the home but my boyfriend says i can stay in the home. Does his parents have any legal right to make me move out of his house just because they own the land that it sits on ?

Like | Dislike | Share | Posted: Tue, 03/15/2011 - 23:13 | Post subject:

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

Welcome susieq,

You can ask your husband to draft a will where he should mention you as the beneficiary of the property. This will help you to get the whole property after your husband's death.

Like | Dislike | Share | Posted: Fri, 07/01/2011 - 22:02

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

My husband had his home before marriage to me. I want to make sure that all assests that belong to him go to me at the time of his death.This would include several cars, boats and cds. He has one daughter by another marraige. We have none together. We live in a community property state. I do realize that the home and all he has before marriage is soley his. This is what I am trying to fix. That I am joint owners with him as if we had all assets together before marraige.

Like | Dislike | Share | Posted: Fri, 07/01/2011 - 14:45 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi zanny,

Do you mean you want to have the title in both you and your mother-in-law’s names, but want to have the loan solely in your name? If this is what you mean then I’d say it is quite possible. Both of you can be on the title as co-owners. If you qualify for the loan on your own, you can alone be on the mortgage. You do not need your mother-in-law to co-sign on the loan to help you qualify for the mortgage.

In such a situation, your credit will be affected if you default on the loan. However, your mother-in-law’s credit scores will not be impacted by the default as she will not listed on the mortgage note. I’m not sure what you mean by “to refinance other mortgage”. But in any case, a refinance does not affect anyone’s credit adversely.

Thanks,

Jerry

Like | Dislike | Share | Posted: Tue, 01/26/2010 - 01:19

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

I wonder how much it will cost me to add a name on a OK house -- Thanks

Like | Dislike | Share | Posted: Tue, 02/16/2010 - 13:38 | Post subject:

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

Sir,
At the time of agreement my wife was pregnant and hospitalised. now I want to add my wife name in property. How to do ?

Like | Dislike | Share | Posted: Mon, 03/21/2011 - 11:27 | Post subject:

jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi rgmort,

You do not have to incur too much of expenses to add a name to the property deed. You can add a name to the deed through a quit claim deed. You can do it even without the help of an attorney. However, a consultation with an attorney is always advisable. When the deed has been signed, you need to notarize it and record it with the county recorder's office at a nominal recording fee.

Like | Dislike | Share | Posted: Tue, 02/16/2010 - 23:49

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

Welcome geo,

You can use a quitclaim deed in order to change the order of the names. Nevertheless, you can even contact a real estate attorney and take his opinion in this matter.

Thanks

Like | Dislike | Share | Posted: Mon, 03/26/2012 - 00:50 | Post subject:

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

adding our son to loan & title during refinance of home loan involves
gift tax or does not involve gift tax.This is a joint property in the name of me & my wife.This is a residential property. We all ( me,my wife & my son) are living together on this property.

Like | Dislike | Share | Posted: Sun, 09/16/2012 - 12:13 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi surinder,

As far as I can understand, it may involve gift tax. Nevertheless, it will be better to contact a tax adviser and take his opinion in this regard.

Thanks

Like | Dislike | Share | Posted: Mon, 09/17/2012 - 00:15 | Post subject:

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