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DO I NEED TO REFINANCE HOME TO ADD MY WIFE TO MORTGAGE

Posted on: 13th Jul, 2009 04:24 pm
my wife has a quit claim on the house, but she isn't on the mortgage aspect. the mortgage payment has been coming out of her checking account ach for a long time. what i want to know is will this cause a problem for her at the time of my death ?

i don't want to refinance when i've paid 15 years of interest already and so close to just paying principal. i have wells fargo for the mortgage.
There is no way to add her without refinancing. You should just leave everything alone. If you happen to pass away, she can continue making the payments even though she is not on the mortgage.
Posted on: 13th Jul, 2009 04:43 pm
Can I refinance my mortage loan, take myself off the loan, keep my mom on the loan and add another person as a co-debtor.
Posted on: 06th Jan, 2010 04:49 pm
Jlbruening,
I'm sorry to say but, you would have to refinance to add your wife to the mortgage.
Bubba,
You can refinance to take yourself off the mortgage but, you need to make sure they can qualify without you.
Posted on: 06th Jan, 2010 04:52 pm
Im getting married and my fiance is worried about my bad credit affecting us. If we were to sell our house and buy a new one, does the bank have to take a look at my credit if my husband can afford the loan on his own? And if something happens to him, do I get to keep the house as long as I can make the payments or do I have to refinance into my name?
Posted on: 15th Mar, 2010 05:52 am
It depends the state you live in. If you're buying in a community state then you'll have to incorporate your debts into the DTI (which might cause a problem).
Posted on: 15th Mar, 2010 09:51 am
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