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Not if you are both on Title unless they forge your name.

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โˆ™ 2005-12-11 01:42:02
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Q: Can a cosigner who is a spouse refinance without the primary spouse?
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Can a judge order you to remove your soon to be ex-wife as a cosigner in divorce court if the title is in your name?

Yes. The judge can order the spouse who is keeping the vehicle to refinance it in their name only.


Can you drop a spouse from a mortgage without their signature by refinancing?

You can refinance without the spouse but you will need their consent to do so. If the spouse is on the title of the home, the answer is "no". If the spouse is on the existing mortgage the answer is "no". If the spouse is not on title you need to indicate on the loan application that you are married, and if you don't is fraud. At the time of closing she/he would have to be present. Inform you spouse of your actions.


Can a spouse be a cosigner on an auto loan?

yes


Is the spouse of a deceased cosigner responsible for the debt?

The ESTATE is responsible.


If an adult child is a cosigner on the mortgage to her parents' home can she be relieved of the debt responsibility when she marries?

The mortgage would have to be refinanced without the participation of the adult child as cosigner. Debts incurred before marriage do not become the responsibility of a new spouse.


Can your daughter be on your car insurance if you are not cosigner on her car loan?

Yes: Your spouse/children can be included on your insurance policy regardless of who was/if there was a cosigner on the car.


How do you buy out a spouse's mortgage?

You must pay off the mortgage and refinance. As part of the transaction your spouse must convey their interest in the real estate to you then you can refinance in your own name providing you qualify according to to the lenders requirements.You must pay off the mortgage and refinance. As part of the transaction your spouse must convey their interest in the real estate to you then you can refinance in your own name providing you qualify according to to the lenders requirements.You must pay off the mortgage and refinance. As part of the transaction your spouse must convey their interest in the real estate to you then you can refinance in your own name providing you qualify according to to the lenders requirements.You must pay off the mortgage and refinance. As part of the transaction your spouse must convey their interest in the real estate to you then you can refinance in your own name providing you qualify according to to the lenders requirements.


How do you refinance home after death of spouse?

The best place to start is updating the deed. Once your deed is updated, you can refinance your home with ease.


When the cosigner dies is the spouse responsible for a repossion that she did not cosign for?

The spouse is not responsible and should not have this on her credit. But the estate of the deceased will still be responsible for the debt.


If you paid the equity to your spouse from your divorce and obtain a quick claim deed can his name be dropped from the deed without refinancing?

It is a "quit claim deed" that you have to obtain and you have to refinance to drop the other name. It is a "quit claim deed" that you have to obtain and you have to refinance to drop the other name. It is a "quit claim deed" that you have to obtain and you have to refinance to drop the other name. It is a "quit claim deed" that you have to obtain and you have to refinance to drop the other name.


When you refinance your house and add your spouse's name to the refinance loan does that automatically add his name to the title?

of course since you are using their income. of course since you are using their income.


Is the surviving spouse responsible for outstanding debt on the voluntary repossession of a vehicle when they are a cosigner on the loan?

If there are payments outstanding, you, the co-signer, are responsible. That's the point of being a co-signer; you agree to pay the debt if the primary cannot.


In North Carolina i8s the surviving spouse responsible for the medical bill of the dead spouse?

The estate is required to settle all debts. The spouse will inherit less because of this and may be responsible as a cosigner or holder of the insurance.


If you are trying to refinance a mortgage which is only in your name and your spouse has a much better credit score than you should you add your spouse's name to the title beforehand?

Yes.


Can you refinance your home without your ex spouse knowing?

If the home is titled in your name only, your ex-spouse should have no need to know about your refinancing it. If your ex-spouse's name remains on the title, your ex-spouse would not only have to know about it, he or she would have to co-sign any promissory note related to refinancing the home loan. No legitimate financial institution would issue such a loan without a co-owner's signature. Moreover, if a loan were secured without the ex-spouse's signature or through fraudulent means, he or she would have a legitimate claim if the property went into foreclosure.


If you are going through a divorce can one spouse sign over their half of the mortgage to the other party without having to refinance?

It is my understanding that if both are on the mortgage, you must refinance so that you are both not held liable for the balance. If still on the note the other person would not be able to qualify for another house, car, etc. without that being considered as part of their debt.


If you purchased your home before you got married and now your spouse wants to be on the loan do you refinance in order to add him?

you just need to add your spouse to the deed. your banker can help you with that


Is a cosigner's spouse responsible for the loan if he dies?

No you are not responsible but if your step daughter does not pay the loan they can still repossess the vehicle.


What if reverse mortgage holder gets married?

The marriage is no problem, however the new spouse is not protected in the reverse mortgage unless a refinance is done into both of their names. As a result if the borrower passes away the new spouse will have 6 months to sell the property or refinance it... or to turn it over to the lender.


If you have insurance with your employer and your spouse has insurance on you also which insurance is the primary?

If both you and your spouse have full medical coverage then the insurance compnay will revert back to your and your spouse's date of birth. Whoever's birthdate is first in a calendar year, then that is the primary insurance. For example, if your birthday is November 1, but your spouse's birthday is February 12, then your spouses insurance is primary for both of you.


If your daughter's car is in your name and she is not paying can you let it get repossessed without ruining you and your spouse's credit rating?

No. You are the primary borrower, and it will be entered as a repo. on your credit report.


How do you get your ex-spouse off the mortgage agreement without spending a lot of money?

You will have to refinance your loan in order to get his name off. The loan now has both of your names on it because you both appied at the same time. This mortgage has to be paid off in order to remove the ex-spouse. That means you will have to apply for a new mortgage in your name only.


What is the primary duty in a marriage contract?

The primary duty in a marriage contract is the duty to be faithful to your spouse.


Need to get your ex-spouse off the mortgage but you are not approved to re-finance?

The lender must agree, and is unlikely to agree if you cannot refinance.


Do You need a cosigner if your married?

Having a cosigner has nothing to do with your marital status. It's all about your credit. If you do need a cosigner for lets say a car loan, then it's better to have your spouse sign than ask a relative/friend to sign. Unless your spouses' credit is bad, then you have to look into a person who has good credit. Hope this helps!

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